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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 | $283,117 | $175,231+61.6% | $149,696+89.1% | $139,466+103.0% |
| Participation rate | 70.0% | 83.4%-13.4pp | 78.8%-8.8pp | 80.3%-10.3pp |
| Annual return | 15.48% | 166.77%-151.3pp | 134.46%-119.0pp | 373.66%-358.2pp |
| Employer contribution / active EE | $2,207 | $5,478-59.7% | $4,821-54.2% | $4,754-53.6% |
| Participant deferral / active EE | $5,575 | $6,521-14.5% | $5,682-1.9% | $6,712-16.9% |
| Admin fee / account holder | $1,584 | $16,155-90.2% | $13,212-88.0% | $11,409-86.1% |