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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 | $181,062+158.5% | $158,223+195.8% | $155,188+201.6% |
| Participation rate | 70.0% | 82.7%-12.7pp | 79.2%-9.2pp | 80.8%-10.8pp |
| Annual return | 15.92% | 57.39%-41.5pp | 52.09%-36.2pp | 148.84%-132.9pp |
| Employer contribution / active EE | $14,683 | $4,565+221.7% | $4,109+257.4% | $4,248+245.7% |
| Participant deferral / active EE | $9,157 | $6,134+49.3% | $5,467+67.5% | $6,531+40.2% |
| Admin fee / account holder | $2,398 | $18,825-87.3% | $16,047-85.1% | $14,480-83.4% |