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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 | $251,484 | $165,399+52.0% | $149,745+67.9% | $158,982+58.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 10.39% | 348.34%-337.9pp | 276.72%-266.3pp | 302.99%-292.6pp |
| Employer contribution / active EE | $9,939 | $5,105+94.7% | $4,646+113.9% | $4,763+108.7% |
| Participant deferral / active EE | $8,667 | $7,183+20.7% | $6,843+26.6% | $5,983+44.8% |
| Admin fee / account holder | $2,214 | $10,811-79.5% | $9,312-76.2% | $11,252-80.3% |