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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 | $223,823+85.8% | $211,142+97.0% | $154,746+168.7% |
| Participation rate | 71.4% | 87.9%-16.4pp | 87.3%-15.9pp | 80.7%-9.3pp |
| Annual return | 12.88% | 50.39%-37.5pp | 46.84%-34.0pp | 172.34%-159.5pp |
| Employer contribution / active EE | $7,770 | $6,787+14.5% | $6,442+20.6% | $4,379+77.4% |
| Participant deferral / active EE | $16,107 | $9,750+65.2% | $9,284+73.5% | $6,730+139.3% |
| Admin fee / account holder | $16,077 | $19,707-18.4% | $19,076-15.7% | $14,365+11.9% |