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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 | $306,748 | $183,627+67.1% | $155,602+97.1% | $145,978+110.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.89% | 61.32%-52.4pp | 64.81%-55.9pp | 550.52%-541.6pp |
| Employer contribution / active EE | $13,706 | $5,316+157.8% | $4,675+193.2% | $4,662+194.0% |
| Participant deferral / active EE | $11,263 | $6,466+74.2% | $5,629+100.1% | $6,690+68.4% |
| Admin fee / account holder | $3,902 | $19,327-79.8% | $15,923-75.5% | $13,400-70.9% |