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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 | $418,877 | $178,174+135.1% | $156,181+168.2% | $137,256+205.2% |
| Participation rate | 89.5% | 82.0%+7.4pp | 78.8%+10.6pp | 80.0%+9.5pp |
| Annual return | 19.16% | 84.19%-65.0pp | 64.87%-45.7pp | 220.34%-201.2pp |
| Employer contribution / active EE | $7,873 | $4,972+58.3% | $4,294+83.3% | $4,156+89.4% |
| Participant deferral / active EE | $9,939 | $6,888+44.3% | $6,132+62.1% | $6,407+55.1% |
| Admin fee / account holder | $1,659 | $17,404-90.5% | $14,586-88.6% | $12,270-86.5% |