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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 | $270,199 | $154,228+75.2% | $145,433+85.8% | $137,256+96.9% |
| Participation rate | 91.7% | 83.8%+7.9pp | 82.1%+9.5pp | 80.0%+11.7pp |
| Annual return | 17.73% | 74.59%-56.9pp | 66.58%-48.8pp | 220.34%-202.6pp |
| Employer contribution / active EE | $12,953 | $4,804+169.6% | $4,554+184.4% | $4,156+211.7% |
| Participant deferral / active EE | $12,763 | $8,216+55.3% | $7,897+61.6% | $6,407+99.2% |
| Admin fee / account holder | $2,441 | $14,344-83.0% | $13,129-81.4% | $12,270-80.1% |