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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 | $439,231 | $209,336+109.8% | $197,124+122.8% | $137,256+220.0% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 26.45% | 48.09%-21.6pp | 44.34%-17.9pp | 220.34%-193.9pp |
| Employer contribution / active EE | $16,456 | $6,591+149.7% | $6,227+164.3% | $4,156+296.0% |
| Participant deferral / active EE | $13,831 | $9,614+43.9% | $9,135+51.4% | $6,407+115.9% |
| Admin fee / account holder | $800 | $17,308-95.4% | $16,298-95.1% | $12,270-93.5% |