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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 | $348,763 | $172,111+102.6% | $150,298+132.0% | $137,256+154.1% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 18.15% | 69.37%-51.2pp | 62.79%-44.6pp | 220.34%-202.2pp |
| Employer contribution / active EE | $6,578 | $4,636+41.9% | $4,154+58.4% | $4,156+58.3% |
| Participant deferral / active EE | $8,211 | $6,166+33.2% | $5,453+50.6% | $6,407+28.2% |
| Admin fee / account holder | $3,335 | $16,471-79.8% | $14,116-76.4% | $12,270-72.8% |