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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 | $257,751 | $172,111+49.8% | $150,298+71.5% | $137,256+87.8% |
| Participation rate | 93.8% | 81.7%+12.0pp | 77.8%+16.0pp | 80.0%+13.8pp |
| Annual return | 13.52% | 69.37%-55.9pp | 62.79%-49.3pp | 220.34%-206.8pp |
| Employer contribution / active EE | $1,995 | $4,636-57.0% | $4,154-52.0% | $4,156-52.0% |
| Participant deferral / active EE | $4,437 | $6,166-28.0% | $5,453-18.6% | $6,407-30.8% |
| Admin fee / account holder | $586 | $16,471-96.4% | $14,116-95.9% | $12,270-95.2% |