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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 | $199,109+110.4% | $173,730+141.1% | $154,746+170.7% |
| Participation rate | 89.5% | 82.8%+6.7pp | 79.6%+9.9pp | 80.7%+8.8pp |
| Annual return | 19.16% | 20.02%-0.9pp | 19.96%-0.8pp | 172.34%-153.2pp |
| Employer contribution / active EE | $7,873 | $5,311+48.2% | $4,577+72.0% | $4,379+79.8% |
| Participant deferral / active EE | $9,939 | $7,113+39.7% | $6,326+57.1% | $6,730+47.7% |
| Admin fee / account holder | $1,659 | $20,916-92.1% | $17,523-90.5% | $14,365-88.5% |