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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 | $325,503 | $227,399+43.1% | $189,758+71.5% | $198,609+63.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 17.50% | 61.03%-43.5pp | 52.62%-35.1pp | 202.70%-185.2pp |
| Employer contribution / active EE | $10,743 | $5,526+94.4% | $4,767+125.4% | $5,055+112.5% |
| Participant deferral / active EE | $9,091 | $6,837+33.0% | $5,856+55.2% | $6,977+30.3% |
| Admin fee / account holder | $59,869 | $25,162+137.9% | $20,388+193.7% | $19,030+214.6% |