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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 | $735,404 | $154,228+376.8% | $145,433+405.7% | $137,256+435.8% |
| Participation rate | 85.7% | 83.8%+1.9pp | 82.1%+3.6pp | 80.0%+5.8pp |
| Annual return | 16.15% | 74.59%-58.4pp | 66.58%-50.4pp | 220.34%-204.2pp |
| Employer contribution / active EE | $2,813 | $4,804-41.5% | $4,554-38.2% | $4,156-32.3% |
| Participant deferral / active EE | $15,607 | $8,216+90.0% | $7,897+97.6% | $6,407+143.6% |
| Admin fee / account holder | $4,278 | $14,344-70.2% | $13,129-67.4% | $12,270-65.1% |