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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 | $263,788 | $178,174+48.1% | $156,181+68.9% | $137,256+92.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 14.55% | 84.19%-69.6pp | 64.87%-50.3pp | 220.34%-205.8pp |
| Employer contribution / active EE | $4,537 | $4,972-8.7% | $4,294+5.7% | $4,156+9.2% |
| Participant deferral / active EE | $9,872 | $6,888+43.3% | $6,132+61.0% | $6,407+54.1% |
| Admin fee / account holder | $18,549 | $17,404+6.6% | $14,586+27.2% | $12,270+51.2% |