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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 | $1,121,799 | $181,062+519.6% | $158,223+609.0% | $155,188+622.9% |
| Participation rate | 75.0% | 82.7%-7.7pp | 79.2%-4.2pp | 80.8%-5.8pp |
| Annual return | 17.03% | 57.39%-40.4pp | 52.09%-35.1pp | 148.84%-131.8pp |
| Employer contribution / active EE | $20,553 | $4,565+350.3% | $4,109+400.2% | $4,248+383.8% |
| Participant deferral / active EE | $15,684 | $6,134+155.7% | $5,467+186.9% | $6,531+140.1% |
| Admin fee / account holder | $680 | $18,825-96.4% | $16,047-95.8% | $14,480-95.3% |