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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 | $424,241 | $172,111+146.5% | $150,298+182.3% | $137,256+209.1% |
| Participation rate | 71.4% | 81.7%-10.3pp | 77.8%-6.3pp | 80.0%-8.5pp |
| Annual return | 12.62% | 69.37%-56.8pp | 62.79%-50.2pp | 220.34%-207.7pp |
| Employer contribution / active EE | $9,542 | $4,636+105.8% | $4,154+129.7% | $4,156+129.6% |
| Participant deferral / active EE | $8,152 | $6,166+32.2% | $5,453+49.5% | $6,407+27.2% |
| Admin fee / account holder | $5,039 | $16,471-69.4% | $14,116-64.3% | $12,270-58.9% |