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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 | $309,685 | $209,422+47.9% | $178,503+73.5% | $158,982+94.8% |
| Participation rate | 75.0% | 86.4%-11.4pp | 81.9%-6.9pp | 82.0%-7.0pp |
| Annual return | 33.72% | 188.81%-155.1pp | 151.12%-117.4pp | 302.99%-269.3pp |
| Employer contribution / active EE | $2,490 | $5,707-56.4% | $5,011-50.3% | $4,763-47.7% |
| Participant deferral / active EE | $15,082 | $5,955+153.3% | $5,202+189.9% | $5,983+152.1% |
| Admin fee / account holder | $930 | $17,079-94.6% | $13,987-93.3% | $11,252-91.7% |