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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 | $258,227 | $183,988+40.3% | $162,177+59.2% | $152,897+68.9% |
| Participation rate | 80.0% | 88.5%-8.5pp | 87.6%-7.6pp | 82.5%-2.5pp |
| Annual return | 17.66% | 150.79%-133.1pp | 115.60%-97.9pp | 345.43%-327.8pp |
| Employer contribution / active EE | $15,700 | $6,370+146.5% | $5,613+179.7% | $4,764+229.6% |
| Participant deferral / active EE | $8,600 | $8,032+7.1% | $7,297+17.9% | $5,851+47.0% |
| Admin fee / account holder | $882 | $13,123-93.3% | $10,843-91.9% | $11,599-92.4% |