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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 | $262,184 | $165,399+58.5% | $149,745+75.1% | $158,982+64.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 14.25% | 348.34%-334.1pp | 276.72%-262.5pp | 302.99%-288.7pp |
| Employer contribution / active EE | $7,620 | $5,105+49.3% | $4,646+64.0% | $4,763+60.0% |
| Participant deferral / active EE | $18,270 | $7,183+154.4% | $6,843+167.0% | $5,983+205.3% |
| Admin fee / account holder | $33,542 | $10,811+210.3% | $9,312+260.2% | $11,252+198.1% |