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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 | $364,161 | $171,492+112.3% | $150,734+141.6% | $198,609+83.4% |
| Participation rate | 84.6% | 81.4%+3.2pp | 78.4%+6.2pp | 82.4%+2.2pp |
| Annual return | 11.97% | 804.70%-792.7pp | 600.81%-588.8pp | 202.70%-190.7pp |
| Employer contribution / active EE | $15,937 | $5,470+191.4% | $4,918+224.0% | $5,055+215.3% |
| Participant deferral / active EE | $9,437 | $6,259+50.8% | $5,610+68.2% | $6,977+35.3% |
| Admin fee / account holder | $1,418 | $17,628-92.0% | $14,905-90.5% | $19,030-92.5% |