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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 | $266,692 | $198,457+34.4% | $170,435+56.5% | $147,586+80.7% |
| Participation rate | 93.3% | 88.0%+5.4pp | 83.6%+9.7pp | 82.8%+10.5pp |
| Annual return | 29.05% | 257.30%-228.3pp | 205.94%-176.9pp | 578.59%-549.5pp |
| Employer contribution / active EE | $6,932 | $6,183+12.1% | $5,432+27.6% | $4,876+42.1% |
| Participant deferral / active EE | $7,005 | $5,629+24.4% | $4,939+41.8% | $5,439+28.8% |
| Admin fee / account holder | $8,803 | $16,852-47.8% | $13,881-36.6% | $10,886-19.1% |