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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 | $585,979 | $217,432+169.5% | $185,851+215.3% | $167,553+249.7% |
| Participation rate | 91.7% | 86.1%+5.6pp | 81.7%+10.0pp | 82.1%+9.6pp |
| Annual return | 12.18% | 148.43%-136.3pp | 122.11%-109.9pp | 478.89%-466.7pp |
| Employer contribution / active EE | $2,369 | $5,874-59.7% | $5,168-54.2% | $4,840-51.1% |
| Participant deferral / active EE | $6,114 | $6,357-3.8% | $5,569+9.8% | $6,343-3.6% |
| Admin fee / account holder | $17,314 | $19,820-12.6% | $16,245+6.6% | $12,316+40.6% |