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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 | $265,040 | $209,422+26.6% | $178,503+48.5% | $158,982+66.7% |
| Participation rate | 92.3% | 86.4%+6.0pp | 81.9%+10.4pp | 82.0%+10.3pp |
| Annual return | 27.45% | 188.81%-161.4pp | 151.12%-123.7pp | 302.99%-275.5pp |
| Employer contribution / active EE | $5,331 | $5,707-6.6% | $5,011+6.4% | $4,763+11.9% |
| Participant deferral / active EE | $7,564 | $5,955+27.0% | $5,202+45.4% | $5,983+26.4% |
| Admin fee / account holder | $4,635 | $17,079-72.9% | $13,987-66.9% | $11,252-58.8% |