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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 | $318,831 | $201,344+58.4% | $184,243+73.0% | $145,877+118.6% |
| Participation rate | 83.3% | 87.5%-4.2pp | 86.8%-3.5pp | 80.3%+3.0pp |
| Annual return | 16.67% | 29.01%-12.3pp | 28.82%-12.1pp | 551.28%-534.6pp |
| Employer contribution / active EE | $6,338 | $7,022-9.8% | $6,427-1.4% | $4,663+35.9% |
| Participant deferral / active EE | $13,720 | $9,807+39.9% | $9,132+50.2% | $6,691+105.1% |
| Admin fee / account holder | $8,965 | $16,382-45.3% | $13,914-35.6% | $13,402-33.1% |