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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 | $288,531 | $172,111+67.6% | $150,298+92.0% | $137,256+110.2% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 11.68% | 69.37%-57.7pp | 62.79%-51.1pp | 220.34%-208.7pp |
| Employer contribution / active EE | $5,734 | $4,636+23.7% | $4,154+38.0% | $4,156+38.0% |
| Participant deferral / active EE | $8,941 | $6,166+45.0% | $5,453+64.0% | $6,407+39.6% |
| Admin fee / account holder | $8,125 | $16,471-50.7% | $14,116-42.4% | $12,270-33.8% |