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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 | $254,238 | $209,336+21.5% | $197,124+29.0% | $137,256+85.2% |
| Participation rate | 83.3% | 87.3%-4.0pp | 86.7%-3.4pp | 80.0%+3.4pp |
| Annual return | 16.09% | 48.09%-32.0pp | 44.34%-28.3pp | 220.34%-204.3pp |
| Employer contribution / active EE | $7,666 | $6,591+16.3% | $6,227+23.1% | $4,156+84.5% |
| Participant deferral / active EE | $17,835 | $9,614+85.5% | $9,135+95.2% | $6,407+178.4% |
| Admin fee / account holder | $51,202 | $17,308+195.8% | $16,298+214.2% | $12,270+317.3% |