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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 | $261,643 | $196,972+32.8% | $182,262+43.6% | $198,609+31.7% |
| Participation rate | 83.3% | 85.7%-2.4pp | 84.2%-0.9pp | 82.4%+1.0pp |
| Annual return | 16.47% | 158.27%-141.8pp | 140.60%-124.1pp | 202.70%-186.2pp |
| Employer contribution / active EE | $18,451 | $5,364+244.0% | $5,046+265.7% | $5,055+265.0% |
| Participant deferral / active EE | $12,217 | $8,643+41.4% | $8,276+47.6% | $6,977+75.1% |
| Admin fee / account holder | $7,321 | $18,429-60.3% | $16,712-56.2% | $19,030-61.5% |