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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 | $386,012 | $154,228+150.3% | $145,433+165.4% | $137,256+181.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 14.23% | 74.59%-60.4pp | 66.58%-52.3pp | 220.34%-206.1pp |
| Employer contribution / active EE | $21,805 | $4,804+353.9% | $4,554+378.8% | $4,156+424.7% |
| Participant deferral / active EE | $17,333 | $8,216+111.0% | $7,897+119.5% | $6,407+170.5% |
| Admin fee / account holder | $16,771 | $14,344+16.9% | $13,129+27.7% | $12,270+36.7% |