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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 | $371,297 | $114,119+225.4% | $107,187+246.4% | $138,895+167.3% |
| Participation rate | 88.2% | 78.1%+10.2pp | 75.0%+13.2pp | 79.9%+8.3pp |
| Annual return | 23.85% | 273.21%-249.4pp | 204.55%-180.7pp | 145.39%-121.5pp |
| Employer contribution / active EE | $5,490 | $4,059+35.3% | $3,782+45.2% | $4,194+30.9% |
| Participant deferral / active EE | $14,779 | $5,538+166.9% | $5,096+190.0% | $6,396+131.1% |
| Admin fee / account holder | $83,557 | $10,024+733.6% | $9,162+812.0% | $12,562+565.1% |