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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 | $254,315 | $198,457+28.1% | $170,435+49.2% | $147,586+72.3% |
| Participation rate | 83.3% | 88.0%-4.6pp | 83.6%-0.3pp | 82.8%+0.5pp |
| Annual return | 21.17% | 257.30%-236.1pp | 205.94%-184.8pp | 578.59%-557.4pp |
| Employer contribution / active EE | $13,423 | $6,183+117.1% | $5,432+147.1% | $4,876+175.3% |
| Participant deferral / active EE | $8,719 | $5,629+54.9% | $4,939+76.5% | $5,439+60.3% |
| Admin fee / account holder | $4,556 | $16,852-73.0% | $13,881-67.2% | $10,886-58.2% |