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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 | $309,151 | $154,228+100.5% | $145,433+112.6% | $137,256+125.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 13.80% | 74.59%-60.8pp | 66.58%-52.8pp | 220.34%-206.5pp |
| Employer contribution / active EE | $26,587 | $4,804+453.4% | $4,554+483.8% | $4,156+539.7% |
| Participant deferral / active EE | $20,144 | $8,216+145.2% | $7,897+155.1% | $6,407+214.4% |
| Admin fee / account holder | $48,281 | $14,344+236.6% | $13,129+267.7% | $12,270+293.5% |