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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 | $263,283 | $154,228+70.7% | $145,433+81.0% | $137,256+91.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 26.95% | 74.59%-47.6pp | 66.58%-39.6pp | 220.34%-193.4pp |
| Employer contribution / active EE | $23,841 | $4,804+396.3% | $4,554+423.5% | $4,156+473.6% |
| Participant deferral / active EE | $16,467 | $8,216+100.4% | $7,897+108.5% | $6,407+157.0% |
| Admin fee / account holder | $1,451 | $14,344-89.9% | $13,129-88.9% | $12,270-88.2% |