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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 | $310,119 | $172,111+80.2% | $150,298+106.3% | $137,256+125.9% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 12.08% | 69.37%-57.3pp | 62.79%-50.7pp | 220.34%-208.3pp |
| Employer contribution / active EE | $9,752 | $4,636+110.3% | $4,154+134.8% | $4,156+134.7% |
| Participant deferral / active EE | $13,024 | $6,166+111.2% | $5,453+138.9% | $6,407+103.3% |
| Admin fee / account holder | $3,532 | $16,471-78.6% | $14,116-75.0% | $12,270-71.2% |