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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 | $307,890 | $209,425+47.0% | $178,499+72.5% | $158,966+93.7% |
| Participation rate | 80.0% | 86.4%-6.4pp | 81.9%-1.9pp | 82.0%-2.0pp |
| Annual return | 15.54% | 188.80%-173.3pp | 151.10%-135.6pp | 302.95%-287.4pp |
| Employer contribution / active EE | $8,513 | $5,707+49.2% | $5,011+69.9% | $4,762+78.8% |
| Participant deferral / active EE | $9,100 | $5,955+52.8% | $5,202+74.9% | $5,983+52.1% |
| Admin fee / account holder | $1,641 | $17,078-90.4% | $13,986-88.3% | $11,250-85.4% |