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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 | $1,081,446 | $183,627+488.9% | $155,602+595.0% | $145,978+640.8% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 16.80% | 61.32%-44.5pp | 64.81%-48.0pp | 550.52%-533.7pp |
| Employer contribution / active EE | $10,987 | $5,316+106.7% | $4,675+135.0% | $4,662+135.7% |
| Participant deferral / active EE | $14,228 | $6,466+120.0% | $5,629+152.8% | $6,690+112.7% |
| Admin fee / account holder | $3,810 | $19,327-80.3% | $15,923-76.1% | $13,400-71.6% |