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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 | $493,402 | $178,174+176.9% | $156,181+215.9% | $137,256+259.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 15.22% | 84.19%-69.0pp | 64.87%-49.6pp | 220.34%-205.1pp |
| Employer contribution / active EE | $2,750 | $4,972-44.7% | $4,294-36.0% | $4,156-33.8% |
| Participant deferral / active EE | $33,400 | $6,888+384.9% | $6,132+444.7% | $6,407+421.3% |
| Admin fee / account holder | $822 | $17,404-95.3% | $14,586-94.4% | $12,270-93.3% |