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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 | $282,129 | $209,422+34.7% | $178,503+58.1% | $158,982+77.5% |
| Participation rate | 93.3% | 86.4%+7.0pp | 81.9%+11.4pp | 82.0%+11.4pp |
| Annual return | 14.59% | 188.81%-174.2pp | 151.12%-136.5pp | 302.99%-288.4pp |
| Employer contribution / active EE | $4,678 | $5,707-18.0% | $5,011-6.6% | $4,763-1.8% |
| Participant deferral / active EE | $5,760 | $5,955-3.3% | $5,202+10.7% | $5,983-3.7% |
| Admin fee / account holder | $4,093 | $17,079-76.0% | $13,987-70.7% | $11,252-63.6% |