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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 | $299,800 | $181,062+65.6% | $158,223+89.5% | $155,188+93.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 34.02% | 57.39%-23.4pp | 52.09%-18.1pp | 148.84%-114.8pp |
| Employer contribution / active EE | $11,923 | $4,565+161.2% | $4,109+190.2% | $4,248+180.7% |
| Participant deferral / active EE | $6,856 | $6,134+11.8% | $5,467+25.4% | $6,531+5.0% |
| Admin fee / account holder | $15,872 | $18,825-15.7% | $16,047-1.1% | $14,480+9.6% |