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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 | $314,459 | $117,829+166.9% | $102,423+207.0% | $145,877+115.6% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 17.65% | 31.83%-14.2pp | 29.42%-11.8pp | 551.28%-533.6pp |
| Employer contribution / active EE | $10,319 | $3,615+185.5% | $3,023+241.4% | $4,663+121.3% |
| Participant deferral / active EE | $15,989 | $5,732+178.9% | $5,054+216.3% | $6,691+139.0% |
| Admin fee / account holder | $1,283 | $13,335-90.4% | $9,455-86.4% | $13,402-90.4% |