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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 | $333,900 | $174,379+91.5% | $152,093+119.5% | $138,895+140.4% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 18.34% | 74.86%-56.5pp | 66.36%-48.0pp | 145.39%-127.1pp |
| Employer contribution / active EE | $4,591 | $4,652-1.3% | $4,175+10.0% | $4,194+9.5% |
| Participant deferral / active EE | $3,483 | $6,159-43.5% | $5,451-36.1% | $6,396-45.6% |
| Admin fee / account holder | $22,890 | $16,880+35.6% | $14,497+57.9% | $12,562+82.2% |