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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 | $341,690 | $202,440+68.8% | $169,390+101.7% | $139,466+145.0% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 13.21% | 532.36%-519.2pp | 406.07%-392.9pp | 373.66%-360.5pp |
| Employer contribution / active EE | $15,646 | $4,693+233.4% | $4,013+289.9% | $4,754+229.1% |
| Participant deferral / active EE | $12,518 | $6,940+80.4% | $6,222+101.2% | $6,712+86.5% |
| Admin fee / account holder | $2,360 | $10,722-78.0% | $9,015-73.8% | $11,409-79.3% |