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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 | $261,843 | $174,379+50.2% | $152,093+72.2% | $138,895+88.5% |
| Participation rate | 95.0% | 81.6%+13.4pp | 77.8%+17.2pp | 79.9%+15.1pp |
| Annual return | 20.08% | 74.86%-54.8pp | 66.36%-46.3pp | 145.39%-125.3pp |
| Employer contribution / active EE | $3,178 | $4,652-31.7% | $4,175-23.9% | $4,194-24.2% |
| Participant deferral / active EE | $7,752 | $6,159+25.9% | $5,451+42.2% | $6,396+21.2% |
| Admin fee / account holder | $2,851 | $16,880-83.1% | $14,497-80.3% | $12,562-77.3% |