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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 | $255,293 | $183,592+39.1% | $155,567+64.1% | $145,959+74.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 14.22% | 61.24%-47.0pp | 64.74%-50.5pp | 561.95%-547.7pp |
| Employer contribution / active EE | $16,261 | $5,315+206.0% | $4,674+247.9% | $4,661+248.9% |
| Participant deferral / active EE | $11,327 | $6,464+75.2% | $5,628+101.3% | $6,689+69.3% |
| Admin fee / account holder | $2,645 | $19,318-86.3% | $15,916-83.4% | $13,398-80.3% |