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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 | $307,320 | $172,111+78.6% | $150,298+104.5% | $137,256+123.9% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 13.47% | 69.37%-55.9pp | 62.79%-49.3pp | 220.34%-206.9pp |
| Employer contribution / active EE | $12,225 | $4,636+163.7% | $4,154+194.3% | $4,156+194.1% |
| Participant deferral / active EE | $7,695 | $6,166+24.8% | $5,453+41.1% | $6,407+20.1% |
| Admin fee / account holder | $2,284 | $16,471-86.1% | $14,116-83.8% | $12,270-81.4% |