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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $396,334 | $209,336+89.3% | $197,124+101.1% | $137,256+188.8% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 13.94% | 48.09%-34.2pp | 44.34%-30.4pp | 220.34%-206.4pp |
| Employer contribution / active EE | $9,925 | $6,591+50.6% | $6,227+59.4% | $4,156+138.8% |
| Participant deferral / active EE | $18,649 | $9,614+94.0% | $9,135+104.2% | $6,407+191.1% |
| Admin fee / account holder | $1,201 | $17,308-93.1% | $16,298-92.6% | $12,270-90.2% |