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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 | $404,473 | $172,111+135.0% | $150,298+169.1% | $137,256+194.7% |
| Participation rate | 83.3% | 81.7%+1.6pp | 77.8%+5.6pp | 80.0%+3.4pp |
| Annual return | 102.38% | 69.37%+33.0pp | 62.79%+39.6pp | 220.34%-118.0pp |
| Employer contribution / active EE | $11,291 | $4,636+143.5% | $4,154+171.8% | $4,156+171.7% |
| Participant deferral / active EE | $4,342 | $6,166-29.6% | $5,453-20.4% | $6,407-32.2% |
| Admin fee / account holder | $2,261 | $16,471-86.3% | $14,116-84.0% | $12,270-81.6% |