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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 | $181,062+59.4% | $158,223+82.4% | $155,188+85.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 11.68% | 57.39%-45.7pp | 52.09%-40.4pp | 148.84%-137.2pp |
| Employer contribution / active EE | $5,734 | $4,565+25.6% | $4,109+39.5% | $4,248+35.0% |
| Participant deferral / active EE | $8,941 | $6,134+45.7% | $5,467+63.5% | $6,531+36.9% |
| Admin fee / account holder | $8,125 | $18,825-56.8% | $16,047-49.4% | $14,480-43.9% |