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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 | $392,039 | $217,432+80.3% | $185,851+110.9% | $167,553+134.0% |
| Participation rate | 88.9% | 86.1%+2.8pp | 81.7%+7.2pp | 82.1%+6.8pp |
| Annual return | 21.51% | 148.43%-126.9pp | 122.11%-100.6pp | 478.89%-457.4pp |
| Employer contribution / active EE | $10,249 | $5,874+74.5% | $5,168+98.3% | $4,840+111.8% |
| Participant deferral / active EE | $6,030 | $6,357-5.1% | $5,569+8.3% | $6,343-4.9% |
| Admin fee / account holder | $2,956 | $19,820-85.1% | $16,245-81.8% | $12,316-76.0% |