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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 | $343,505 | $185,312+85.4% | $161,489+112.7% | $154,746+122.0% |
| Participation rate | 80.0% | 82.5%-2.5pp | 78.7%+1.3pp | 80.7%-0.7pp |
| Annual return | 13.10% | 103.84%-90.7pp | 89.72%-76.6pp | 172.34%-159.2pp |
| Employer contribution / active EE | $2,533 | $4,769-46.9% | $4,268-40.7% | $4,379-42.2% |
| Participant deferral / active EE | $9,784 | $6,350+54.1% | $5,630+73.8% | $6,730+45.4% |
| Admin fee / account holder | $2,642 | $18,654-85.8% | $16,006-83.5% | $14,365-81.6% |