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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 | $328,976 | $156,398+110.3% | $147,318+123.3% | $138,895+136.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 22.22% | 78.75%-56.5pp | 70.43%-48.2pp | 145.39%-123.2pp |
| Employer contribution / active EE | $11,758 | $4,853+142.3% | $4,593+156.0% | $4,194+180.3% |
| Participant deferral / active EE | $14,442 | $8,237+75.3% | $7,906+82.7% | $6,396+125.8% |
| Admin fee / account holder | $6,136 | $14,976-59.0% | $13,708-55.2% | $12,562-51.2% |