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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 | $309,892 | $209,422+48.0% | $178,503+73.6% | $158,982+94.9% |
| Participation rate | 83.3% | 86.4%-3.0pp | 81.9%+1.4pp | 82.0%+1.4pp |
| Annual return | 14.86% | 188.81%-173.9pp | 151.12%-136.3pp | 302.99%-288.1pp |
| Employer contribution / active EE | $2,641 | $5,707-53.7% | $5,011-47.3% | $4,763-44.5% |
| Participant deferral / active EE | $11,564 | $5,955+94.2% | $5,202+122.3% | $5,983+93.3% |
| Admin fee / account holder | $40,562 | $17,079+137.5% | $13,987+190.0% | $11,252+260.5% |