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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 | $276,591 | $107,363+157.6% | $92,909+197.7% | $152,897+80.9% |
| Participation rate | 80.0% | 79.8%+0.2pp | 76.0%+4.0pp | 82.5%-2.5pp |
| Annual return | 22.37% | 145.63%-123.3pp | 109.44%-87.1pp | 345.43%-323.1pp |
| Employer contribution / active EE | $6,998 | $4,222+65.7% | $3,653+91.5% | $4,764+46.9% |
| Participant deferral / active EE | $10,927 | $4,848+125.4% | $4,238+157.8% | $5,851+86.7% |
| Admin fee / account holder | $2,161 | $7,082-69.5% | $5,795-62.7% | $11,599-81.4% |