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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 | $361,658 | $201,344+79.6% | $184,243+96.3% | $145,877+147.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 14.95% | 29.01%-14.1pp | 28.82%-13.9pp | 551.28%-536.3pp |
| Employer contribution / active EE | $20,445 | $7,022+191.1% | $6,427+218.1% | $4,663+338.5% |
| Participant deferral / active EE | $21,633 | $9,807+120.6% | $9,132+136.9% | $6,691+223.3% |
| Admin fee / account holder | $3,589 | $16,382-78.1% | $13,914-74.2% | $13,402-73.2% |