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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 | $251,894 | $196,972+27.9% | $182,262+38.2% | $198,609+26.8% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 14.98% | 158.27%-143.3pp | 140.60%-125.6pp | 202.70%-187.7pp |
| Employer contribution / active EE | $3,869 | $5,364-27.9% | $5,046-23.3% | $5,055-23.5% |
| Participant deferral / active EE | $8,448 | $8,643-2.3% | $8,276+2.1% | $6,977+21.1% |
| Admin fee / account holder | $3,528 | $18,429-80.9% | $16,712-78.9% | $19,030-81.5% |