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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 | $255,524 | $165,399+54.5% | $149,745+70.6% | $158,982+60.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 14.41% | 348.34%-333.9pp | 276.72%-262.3pp | 302.99%-288.6pp |
| Employer contribution / active EE | $24,367 | $5,105+377.3% | $4,646+424.5% | $4,763+411.6% |
| Participant deferral / active EE | $19,500 | $7,183+171.5% | $6,843+185.0% | $5,983+225.9% |
| Admin fee / account holder | $1,530 | $10,811-85.8% | $9,312-83.6% | $11,252-86.4% |