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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 | $441,200 | $196,972+124.0% | $182,262+142.1% | $198,609+122.1% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 17.38% | 158.27%-140.9pp | 140.60%-123.2pp | 202.70%-185.3pp |
| Employer contribution / active EE | $10,723 | $5,364+99.9% | $5,046+112.5% | $5,055+112.1% |
| Participant deferral / active EE | $22,117 | $8,643+155.9% | $8,276+167.2% | $6,977+217.0% |
| Admin fee / account holder | $2,266 | $18,429-87.7% | $16,712-86.4% | $19,030-88.1% |