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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 | $376,057 | $156,398+140.4% | $147,318+155.3% | $138,895+170.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 13.85% | 78.75%-64.9pp | 70.43%-56.6pp | 145.39%-131.5pp |
| Employer contribution / active EE | $980 | $4,853-79.8% | $4,593-78.7% | $4,194-76.6% |
| Participant deferral / active EE | $14,735 | $8,237+78.9% | $7,906+86.4% | $6,396+130.4% |
| Admin fee / account holder | $7,250 | $14,976-51.6% | $13,708-47.1% | $12,562-42.3% |