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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 | $635,389 | $154,228+312.0% | $145,433+336.9% | $137,256+362.9% |
| Participation rate | 85.7% | 83.8%+1.9pp | 82.1%+3.6pp | 80.0%+5.8pp |
| Annual return | 16.43% | 74.59%-58.2pp | 66.58%-50.1pp | 220.34%-203.9pp |
| Employer contribution / active EE | $10,083 | $4,804+109.9% | $4,554+121.4% | $4,156+142.6% |
| Participant deferral / active EE | $18,029 | $8,216+119.4% | $7,897+128.3% | $6,407+181.4% |
| Admin fee / account holder | $2,048 | $14,344-85.7% | $13,129-84.4% | $12,270-83.3% |