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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 | $389,451 | $172,111+126.3% | $150,298+159.1% | $137,256+183.7% |
| Participation rate | 77.8% | 81.7%-3.9pp | 77.8%0pp | 80.0%-2.2pp |
| Annual return | 19.40% | 69.37%-50.0pp | 62.79%-43.4pp | 220.34%-200.9pp |
| Employer contribution / active EE | $4,952 | $4,636+6.8% | $4,154+19.2% | $4,156+19.1% |
| Participant deferral / active EE | $13,888 | $6,166+125.2% | $5,453+154.7% | $6,407+116.8% |
| Admin fee / account holder | $10,633 | $16,471-35.4% | $14,116-24.7% | $12,270-13.3% |