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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 | $302,390 | $148,629+103.5% | $135,982+122.4% | $139,487+116.8% |
| Participation rate | 87.5% | 83.9%+3.6pp | 81.9%+5.6pp | 80.3%+7.2pp |
| Annual return | 26.52% | 79.33%-52.8pp | 68.32%-41.8pp | 373.84%-347.3pp |
| Employer contribution / active EE | $9,097 | $5,247+73.4% | $4,859+87.2% | $4,755+91.3% |
| Participant deferral / active EE | $12,547 | $8,102+54.9% | $7,760+61.7% | $6,713+86.9% |
| Admin fee / account holder | $1,437 | $12,406-88.4% | $10,767-86.7% | $11,407-87.4% |