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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 | $415,868 | $209,336+98.7% | $197,124+111.0% | $137,256+203.0% |
| Participation rate | 71.4% | 87.3%-15.9pp | 86.7%-15.3pp | 80.0%-8.5pp |
| Annual return | 12.88% | 48.09%-35.2pp | 44.34%-31.5pp | 220.34%-207.5pp |
| Employer contribution / active EE | $7,770 | $6,591+17.9% | $6,227+24.8% | $4,156+87.0% |
| Participant deferral / active EE | $16,107 | $9,614+67.5% | $9,135+76.3% | $6,407+151.4% |
| Admin fee / account holder | $16,077 | $17,308-7.1% | $16,298-1.4% | $12,270+31.0% |