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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 | $181,062+89.7% | $158,223+117.1% | $155,188+121.3% |
| Participation rate | 80.0% | 82.7%-2.7pp | 79.2%+0.8pp | 80.8%-0.8pp |
| Annual return | 13.10% | 57.39%-44.3pp | 52.09%-39.0pp | 148.84%-135.7pp |
| Employer contribution / active EE | $2,533 | $4,565-44.5% | $4,109-38.4% | $4,248-40.4% |
| Participant deferral / active EE | $9,784 | $6,134+59.5% | $5,467+79.0% | $6,531+49.8% |
| Admin fee / account holder | $2,642 | $18,825-86.0% | $16,047-83.5% | $14,480-81.8% |