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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 | $254,605 | $114,119+123.1% | $107,187+137.5% | $138,895+83.3% |
| Participation rate | 89.5% | 78.1%+11.4pp | 75.0%+14.5pp | 79.9%+9.6pp |
| Annual return | 15.11% | 273.21%-258.1pp | 204.55%-189.4pp | 145.39%-130.3pp |
| Employer contribution / active EE | $4,136 | $4,059+1.9% | $3,782+9.3% | $4,194-1.4% |
| Participant deferral / active EE | $9,470 | $5,538+71.0% | $5,096+85.8% | $6,396+48.1% |
| Admin fee / account holder | $8,513 | $10,024-15.1% | $9,162-7.1% | $12,562-32.2% |