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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 | $306,581 | $156,398+96.0% | $147,318+108.1% | $138,895+120.7% |
| Participation rate | 80.0% | 83.8%-3.8pp | 82.1%-2.1pp | 79.9%+0.1pp |
| Annual return | 21.25% | 78.75%-57.5pp | 70.43%-49.2pp | 145.39%-124.1pp |
| Employer contribution / active EE | $3,801 | $4,853-21.7% | $4,593-17.2% | $4,194-9.4% |
| Participant deferral / active EE | $16,482 | $8,237+100.1% | $7,906+108.5% | $6,396+157.7% |
| Admin fee / account holder | $2,409 | $14,976-83.9% | $13,708-82.4% | $12,562-80.8% |