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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 | $323,365 | $212,386+52.3% | $199,883+61.8% | $138,895+132.8% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 14.98% | 47.75%-32.8pp | 43.81%-28.8pp | 145.39%-130.4pp |
| Employer contribution / active EE | $23,741 | $6,625+258.4% | $6,261+279.2% | $4,194+466.0% |
| Participant deferral / active EE | $18,263 | $9,617+89.9% | $9,138+99.8% | $6,396+185.5% |
| Admin fee / account holder | $2,191 | $18,233-88.0% | $17,268-87.3% | $12,562-82.6% |