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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 | $267,269 | $148,629+79.8% | $135,982+96.5% | $139,487+91.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 15.27% | 79.33%-64.1pp | 68.32%-53.1pp | 373.84%-358.6pp |
| Employer contribution / active EE | $17,272 | $5,247+229.2% | $4,859+255.5% | $4,755+263.3% |
| Participant deferral / active EE | $17,990 | $8,102+122.0% | $7,760+131.8% | $6,713+168.0% |
| Admin fee / account holder | $13,576 | $12,406+9.4% | $10,767+26.1% | $11,407+19.0% |