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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 | $313,557 | $183,592+70.8% | $155,574+101.5% | $145,877+114.9% |
| Participation rate | 88.9% | 82.7%+6.2pp | 78.2%+10.7pp | 80.3%+8.6pp |
| Annual return | 15.19% | 61.37%-46.2pp | 64.87%-49.7pp | 551.28%-536.1pp |
| Employer contribution / active EE | $7,068 | $5,317+32.9% | $4,676+51.2% | $4,663+51.6% |
| Participant deferral / active EE | $6,724 | $6,466+4.0% | $5,629+19.5% | $6,691+0.5% |
| Admin fee / account holder | $2,141 | $19,316-88.9% | $15,914-86.5% | $13,402-84.0% |