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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 | $681,562 | $154,228+341.9% | $145,433+368.6% | $137,256+396.6% |
| Participation rate | 75.0% | 83.8%-8.8pp | 82.1%-7.1pp | 80.0%-5.0pp |
| Annual return | 22.51% | 74.59%-52.1pp | 66.58%-44.1pp | 220.34%-197.8pp |
| Employer contribution / active EE | $2,451 | $4,804-49.0% | $4,554-46.2% | $4,156-41.0% |
| Participant deferral / active EE | $20,043 | $8,216+143.9% | $7,897+153.8% | $6,407+212.8% |
| Admin fee / account holder | $2,893 | $14,344-79.8% | $13,129-78.0% | $12,270-76.4% |