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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 | $327,168 | $156,398+109.2% | $147,318+122.1% | $138,895+135.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 15.44% | 78.75%-63.3pp | 70.43%-55.0pp | 145.39%-130.0pp |
| Employer contribution / active EE | $15,447 | $4,853+218.3% | $4,593+236.3% | $4,194+268.3% |
| Participant deferral / active EE | $10,420 | $8,237+26.5% | $7,906+31.8% | $6,396+62.9% |
| Admin fee / account holder | $127,763 | $14,976+753.1% | $13,708+832.1% | $12,562+917.0% |