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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 | $347,229 | $181,062+91.8% | $158,223+119.5% | $155,188+123.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 11.11% | 57.39%-46.3pp | 52.09%-41.0pp | 148.84%-137.7pp |
| Employer contribution / active EE | $12,013 | $4,565+163.2% | $4,109+192.4% | $4,248+182.8% |
| Participant deferral / active EE | $9,903 | $6,134+61.4% | $5,467+81.2% | $6,531+51.6% |
| Admin fee / account holder | $1,256 | $18,825-93.3% | $16,047-92.2% | $14,480-91.3% |