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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 | $530,875 | $209,422+153.5% | $178,503+197.4% | $158,982+233.9% |
| Participation rate | 81.8% | 86.4%-4.5pp | 81.9%-0.1pp | 82.0%-0.1pp |
| Annual return | 14.18% | 188.81%-174.6pp | 151.12%-136.9pp | 302.99%-288.8pp |
| Employer contribution / active EE | $9,295 | $5,707+62.9% | $5,011+85.5% | $4,763+95.2% |
| Participant deferral / active EE | $5,604 | $5,955-5.9% | $5,202+7.7% | $5,983-6.3% |
| Admin fee / account holder | $15,560 | $17,079-8.9% | $13,987+11.2% | $11,252+38.3% |