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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 | $154,228+64.4% | $145,433+74.4% | $137,256+84.8% |
| Participation rate | 80.0% | 83.8%-3.8pp | 82.1%-2.1pp | 80.0%0pp |
| Annual return | 14.01% | 74.59%-60.6pp | 66.58%-52.6pp | 220.34%-206.3pp |
| Employer contribution / active EE | $2,353 | $4,804-51.0% | $4,554-48.3% | $4,156-43.4% |
| Participant deferral / active EE | $11,131 | $8,216+35.5% | $7,897+40.9% | $6,407+73.7% |
| Admin fee / account holder | $2,603 | $14,344-81.9% | $13,129-80.2% | $12,270-78.8% |