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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 | $289,285 | $172,111+68.1% | $150,298+92.5% | $137,256+110.8% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 18.51% | 69.37%-50.9pp | 62.79%-44.3pp | 220.34%-201.8pp |
| Employer contribution / active EE | $24,932 | $4,636+437.8% | $4,154+500.2% | $4,156+499.9% |
| Participant deferral / active EE | $23,250 | $6,166+277.1% | $5,453+326.4% | $6,407+262.9% |
| Admin fee / account holder | $1,098 | $16,471-93.3% | $14,116-92.2% | $12,270-91.0% |