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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 | $468,046 | $174,379+168.4% | $152,093+207.7% | $138,895+237.0% |
| Participation rate | 70.0% | 81.6%-11.6pp | 77.8%-7.8pp | 79.9%-9.9pp |
| Annual return | 15.92% | 74.86%-58.9pp | 66.36%-50.4pp | 145.39%-129.5pp |
| Employer contribution / active EE | $14,683 | $4,652+215.6% | $4,175+251.7% | $4,194+250.1% |
| Participant deferral / active EE | $9,157 | $6,159+48.7% | $5,451+68.0% | $6,396+43.2% |
| Admin fee / account holder | $2,398 | $16,880-85.8% | $14,497-83.5% | $12,562-80.9% |