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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 | $393,540 | $162,136+142.7% | $152,301+158.4% | $154,746+154.3% |
| Participation rate | 91.3% | 84.1%+7.2pp | 82.4%+8.9pp | 80.7%+10.6pp |
| Annual return | 17.87% | 91.02%-73.2pp | 80.50%-62.6pp | 172.34%-154.5pp |
| Employer contribution / active EE | $14,521 | $4,890+196.9% | $4,624+214.0% | $4,379+231.6% |
| Participant deferral / active EE | $5,745 | $8,341-31.1% | $8,004-28.2% | $6,730-14.6% |
| Admin fee / account holder | $3,013 | $15,759-80.9% | $14,398-79.1% | $14,365-79.0% |