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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 | $769,226 | $156,398+391.8% | $147,318+422.2% | $138,895+453.8% |
| Participation rate | 80.0% | 83.8%-3.8pp | 82.1%-2.1pp | 79.9%+0.1pp |
| Annual return | 15.29% | 78.75%-63.5pp | 70.43%-55.1pp | 145.39%-130.1pp |
| Employer contribution / active EE | $7,976 | $4,853+64.4% | $4,593+73.7% | $4,194+90.2% |
| Participant deferral / active EE | $15,483 | $8,237+88.0% | $7,906+95.8% | $6,396+142.1% |
| Admin fee / account holder | $6,468 | $14,976-56.8% | $13,708-52.8% | $12,562-48.5% |