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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 | $532,362 | $181,062+194.0% | $158,223+236.5% | $155,188+243.0% |
| Participation rate | 70.0% | 82.7%-12.7pp | 79.2%-9.2pp | 80.8%-10.8pp |
| Annual return | 16.41% | 57.39%-41.0pp | 52.09%-35.7pp | 148.84%-132.4pp |
| Employer contribution / active EE | $2,933 | $4,565-35.7% | $4,109-28.6% | $4,248-31.0% |
| Participant deferral / active EE | $8,766 | $6,134+42.9% | $5,467+60.3% | $6,531+34.2% |
| Admin fee / account holder | $41,863 | $18,825+122.4% | $16,047+160.9% | $14,480+189.1% |