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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 | $252,942 | $148,623+70.2% | $135,974+86.0% | $139,466+81.4% |
| Participation rate | 85.7% | 83.9%+1.9pp | 81.9%+3.8pp | 80.3%+5.4pp |
| Annual return | 12.69% | 79.30%-66.6pp | 68.30%-55.6pp | 373.66%-361.0pp |
| Employer contribution / active EE | $10,180 | $5,246+94.0% | $4,859+109.5% | $4,754+114.1% |
| Participant deferral / active EE | $11,181 | $8,103+38.0% | $7,760+44.1% | $6,712+66.6% |
| Admin fee / account holder | $1,032 | $12,406-91.7% | $10,767-90.4% | $11,409-91.0% |