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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 | $431,689 | $166,242+159.7% | $165,071+161.5% | $145,884+195.9% |
| Participation rate | 72.2% | 82.0%-9.8pp | 78.6%-6.4pp | 80.3%-8.1pp |
| Annual return | 12.08% | 100.44%-88.4pp | 70.17%-58.1pp | 551.85%-539.8pp |
| Employer contribution / active EE | $8,172 | $5,283+54.7% | $4,347+88.0% | $4,662+75.3% |
| Participant deferral / active EE | $9,025 | $6,964+29.6% | $6,035+49.5% | $6,690+34.9% |
| Admin fee / account holder | $533 | $16,658-96.8% | $12,695-95.8% | $13,392-96.0% |