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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 | $296,452 | $197,637+50.0% | $177,848+66.7% | $158,982+86.5% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 18.01% | 58.77%-40.8pp | 48.33%-30.3pp | 302.99%-285.0pp |
| Employer contribution / active EE | $19,170 | $6,698+186.2% | $5,919+223.9% | $4,763+302.5% |
| Participant deferral / active EE | $18,958 | $8,405+125.6% | $7,714+145.8% | $5,983+216.8% |
| Admin fee / account holder | $876 | $15,406-94.3% | $12,431-93.0% | $11,252-92.2% |