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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 | $306,871 | $165,381+85.6% | $149,730+104.9% | $158,966+93.0% |
| Participation rate | 80.0% | 84.6%-4.6pp | 82.5%-2.5pp | 82.0%-2.0pp |
| Annual return | 15.67% | 348.29%-332.6pp | 276.70%-261.0pp | 302.95%-287.3pp |
| Employer contribution / active EE | $2,832 | $5,104-44.5% | $4,645-39.0% | $4,762-40.5% |
| Participant deferral / active EE | $11,145 | $7,182+55.2% | $6,843+62.9% | $5,983+86.3% |
| Admin fee / account holder | $394 | $10,809-96.4% | $9,310-95.8% | $11,250-96.5% |