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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 | $254,614 | $172,111+47.9% | $150,298+69.4% | $137,256+85.5% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 20.94% | 69.37%-48.4pp | 62.79%-41.8pp | 220.34%-199.4pp |
| Employer contribution / active EE | $15,937 | $4,636+243.7% | $4,154+283.6% | $4,156+283.5% |
| Participant deferral / active EE | $13,850 | $6,166+124.6% | $5,453+154.0% | $6,407+116.2% |
| Admin fee / account holder | $2,402 | $16,471-85.4% | $14,116-83.0% | $12,270-80.4% |