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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 | $285,710 | $175,231+63.0% | $149,696+90.9% | $139,466+104.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.04% | 166.77%-150.7pp | 134.46%-118.4pp | 373.66%-357.6pp |
| Employer contribution / active EE | $8,691 | $5,478+58.7% | $4,821+80.3% | $4,754+82.8% |
| Participant deferral / active EE | $9,045 | $6,521+38.7% | $5,682+59.2% | $6,712+34.8% |
| Admin fee / account holder | $1,590 | $16,155-90.2% | $13,212-88.0% | $11,409-86.1% |