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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 | $336,392 | $102,938+226.8% | $94,105+257.5% | $138,895+142.2% |
| Participation rate | 80.0% | 74.6%+5.4pp | 71.9%+8.1pp | 79.9%+0.1pp |
| Annual return | 14.77% | 250.28%-235.5pp | 204.55%-189.8pp | 145.39%-130.6pp |
| Employer contribution / active EE | $7,999 | $2,732+192.8% | $2,504+219.4% | $4,194+90.7% |
| Participant deferral / active EE | $9,330 | $4,196+122.3% | $3,881+140.4% | $6,396+45.9% |
| Admin fee / account holder | $6,405 | $6,600-3.0% | $6,199+3.3% | $12,562-49.0% |