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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 | $290,000 | $172,111+68.5% | $150,298+93.0% | $137,256+111.3% |
| Participation rate | 88.9% | 81.7%+7.2pp | 77.8%+11.1pp | 80.0%+8.9pp |
| Annual return | 13.45% | 69.37%-55.9pp | 62.79%-49.3pp | 220.34%-206.9pp |
| Employer contribution / active EE | $1,709 | $4,636-63.1% | $4,154-58.9% | $4,156-58.9% |
| Participant deferral / active EE | $9,561 | $6,166+55.1% | $5,453+75.3% | $6,407+49.2% |
| Admin fee / account holder | $331 | $16,471-98.0% | $14,116-97.7% | $12,270-97.3% |