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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 | $280,628 | $172,111+63.1% | $150,298+86.7% | $137,256+104.5% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 19.76% | 69.37%-49.6pp | 62.79%-43.0pp | 220.34%-200.6pp |
| Employer contribution / active EE | $16,461 | $4,636+255.0% | $4,154+296.3% | $4,156+296.1% |
| Participant deferral / active EE | $14,000 | $6,166+127.1% | $5,453+156.8% | $6,407+118.5% |
| Admin fee / account holder | $2,876 | $16,471-82.5% | $14,116-79.6% | $12,270-76.6% |