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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 | $478,680 | $197,625+142.2% | $177,840+169.2% | $158,966+201.1% |
| Participation rate | 88.9% | 88.5%+0.3pp | 87.7%+1.2pp | 82.0%+6.9pp |
| Annual return | 14.02% | 58.76%-44.7pp | 48.32%-34.3pp | 302.95%-288.9pp |
| Employer contribution / active EE | $17,149 | $6,698+156.0% | $5,919+189.8% | $4,762+260.1% |
| Participant deferral / active EE | $11,620 | $8,405+38.3% | $7,714+50.6% | $5,983+94.2% |
| Admin fee / account holder | $3,786 | $15,405-75.4% | $12,431-69.5% | $11,250-66.3% |