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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 | $181,062+69.7% | $158,223+94.2% | $155,188+98.0% |
| Participation rate | 75.0% | 82.7%-7.7pp | 79.2%-4.2pp | 80.8%-5.8pp |
| Annual return | 13.47% | 57.39%-43.9pp | 52.09%-38.6pp | 148.84%-135.4pp |
| Employer contribution / active EE | $12,225 | $4,565+167.8% | $4,109+197.5% | $4,248+187.8% |
| Participant deferral / active EE | $7,695 | $6,134+25.4% | $5,467+40.8% | $6,531+17.8% |
| Admin fee / account holder | $2,284 | $18,825-87.9% | $16,047-85.8% | $14,480-84.2% |