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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 | $269,114 | $155,833+72.7% | $124,693+115.8% | $167,536+60.6% |
| Participation rate | 90.0% | 81.1%+8.9pp | 74.6%+15.4pp | 82.1%+7.9pp |
| Annual return | 18.50% | 17.98%+0.5pp | 5144.19%-5125.7pp | 478.82%-460.3pp |
| Employer contribution / active EE | $3,796 | $4,164-8.9% | $3,324+14.2% | $4,839-21.6% |
| Participant deferral / active EE | $8,407 | $5,675+48.1% | $4,615+82.2% | $6,342+32.6% |
| Admin fee / account holder | $2,305 | $9,534-75.8% | $7,494-69.2% | $12,315-81.3% |