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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 | $295,281 | $156,398+88.8% | $147,318+100.4% | $138,895+112.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 19.01% | 78.75%-59.7pp | 70.43%-51.4pp | 145.39%-126.4pp |
| Employer contribution / active EE | $20,270 | $4,853+317.6% | $4,593+341.3% | $4,194+383.3% |
| Participant deferral / active EE | $20,608 | $8,237+150.2% | $7,906+160.7% | $6,396+222.2% |
| Admin fee / account holder | $2,967 | $14,976-80.2% | $13,708-78.4% | $12,562-76.4% |