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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 | $257,494 | $176,105+46.2% | $159,474+61.5% | $167,536+53.7% |
| Participation rate | 80.0% | 85.0%-5.0pp | 82.8%-2.8pp | 82.1%-2.1pp |
| Annual return | 17.14% | 331.91%-314.8pp | 263.68%-246.5pp | 478.82%-461.7pp |
| Employer contribution / active EE | $3,014 | $5,299-43.1% | $4,831-37.6% | $4,839-37.7% |
| Participant deferral / active EE | $10,224 | $7,751+31.9% | $7,353+39.0% | $6,342+61.2% |
| Admin fee / account holder | $1,637 | $12,559-87.0% | $10,802-84.8% | $12,315-86.7% |