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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 | $289,078 | $198,457+45.7% | $170,435+69.6% | $147,586+95.9% |
| Participation rate | 77.8% | 88.0%-10.2pp | 83.6%-5.8pp | 82.8%-5.1pp |
| Annual return | 12.98% | 257.30%-244.3pp | 205.94%-193.0pp | 578.59%-565.6pp |
| Employer contribution / active EE | $5,669 | $6,183-8.3% | $5,432+4.4% | $4,876+16.3% |
| Participant deferral / active EE | $7,201 | $5,629+27.9% | $4,939+45.8% | $5,439+32.4% |
| Admin fee / account holder | $1,469 | $16,852-91.3% | $13,881-89.4% | $10,886-86.5% |