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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 | $267,319 | $165,381+61.6% | $149,730+78.5% | $158,966+68.2% |
| Participation rate | 86.7% | 84.6%+2.1pp | 82.5%+4.2pp | 82.0%+4.7pp |
| Annual return | 11.75% | 348.29%-336.5pp | 276.70%-265.0pp | 302.95%-291.2pp |
| Employer contribution / active EE | $7,295 | $5,104+42.9% | $4,645+57.0% | $4,762+53.2% |
| Participant deferral / active EE | $10,005 | $7,182+39.3% | $6,843+46.2% | $5,983+67.2% |
| Admin fee / account holder | $3,611 | $10,809-66.6% | $9,310-61.2% | $11,250-67.9% |