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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 | $253,604 | $162,136+56.4% | $152,301+66.5% | $154,746+63.9% |
| Participation rate | 80.0% | 84.1%-4.1pp | 82.4%-2.4pp | 80.7%-0.7pp |
| Annual return | 14.01% | 91.02%-77.0pp | 80.50%-66.5pp | 172.34%-158.3pp |
| Employer contribution / active EE | $2,353 | $4,890-51.9% | $4,624-49.1% | $4,379-46.3% |
| Participant deferral / active EE | $11,131 | $8,341+33.5% | $8,004+39.1% | $6,730+65.4% |
| Admin fee / account holder | $2,603 | $15,759-83.5% | $14,398-81.9% | $14,365-81.9% |