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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 | $269,150 | $198,457+35.6% | $170,435+57.9% | $147,586+82.4% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 17.12% | 257.30%-240.2pp | 205.94%-188.8pp | 578.59%-561.5pp |
| Employer contribution / active EE | $6,311 | $6,183+2.1% | $5,432+16.2% | $4,876+29.4% |
| Participant deferral / active EE | $6,367 | $5,629+13.1% | $4,939+28.9% | $5,439+17.1% |
| Admin fee / account holder | $3,236 | $16,852-80.8% | $13,881-76.7% | $10,886-70.3% |