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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 | $394,259 | $154,228+155.6% | $145,433+171.1% | $137,256+187.2% |
| Participation rate | 92.3% | 83.8%+8.5pp | 82.1%+10.2pp | 80.0%+12.3pp |
| Annual return | 16.48% | 74.59%-58.1pp | 66.58%-50.1pp | 220.34%-203.9pp |
| Employer contribution / active EE | $3,581 | $4,804-25.5% | $4,554-21.4% | $4,156-13.8% |
| Participant deferral / active EE | $7,197 | $8,216-12.4% | $7,897-8.9% | $6,407+12.3% |
| Admin fee / account holder | $5,476 | $14,344-61.8% | $13,129-58.3% | $12,270-55.4% |