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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 | $250,105 | $162,529+53.9% | $130,788+91.2% | $154,746+61.6% |
| Participation rate | 94.4% | 75.9%+18.6pp | 70.1%+24.3pp | 80.7%+13.7pp |
| Annual return | 15.14% | 510.48%-495.3pp | 386.44%-371.3pp | 172.34%-157.2pp |
| Employer contribution / active EE | $5,948 | $4,447+33.7% | $3,558+67.2% | $4,379+35.8% |
| Participant deferral / active EE | $8,698 | $4,808+80.9% | $4,137+110.2% | $6,730+29.2% |
| Admin fee / account holder | $7,113 | $7,669-7.2% | $6,673+6.6% | $14,365-50.5% |