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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 | $359,685 | $202,440+77.7% | $169,390+112.3% | $139,466+157.9% |
| Participation rate | 90.0% | 81.1%+8.9pp | 77.2%+12.8pp | 80.3%+9.7pp |
| Annual return | 14.10% | 532.36%-518.3pp | 406.07%-392.0pp | 373.66%-359.6pp |
| Employer contribution / active EE | $11,722 | $4,693+149.8% | $4,013+192.1% | $4,754+146.6% |
| Participant deferral / active EE | $16,433 | $6,940+136.8% | $6,222+164.1% | $6,712+144.8% |
| Admin fee / account holder | $791 | $10,722-92.6% | $9,015-91.2% | $11,409-93.1% |