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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 | $314,808 | $209,336+50.4% | $197,124+59.7% | $137,256+129.4% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 21.09% | 48.09%-27.0pp | 44.34%-23.3pp | 220.34%-199.3pp |
| Employer contribution / active EE | $7,682 | $6,591+16.6% | $6,227+23.4% | $4,156+84.8% |
| Participant deferral / active EE | $20,868 | $9,614+117.1% | $9,135+128.4% | $6,407+225.7% |
| Admin fee / account holder | $6,250 | $17,308-63.9% | $16,298-61.7% | $12,270-49.1% |