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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 | $576,325 | $159,934+260.4% | $147,005+292.0% | $145,959+294.9% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 13.30% | 98.24%-84.9pp | 418.76%-405.5pp | 561.95%-548.7pp |
| Employer contribution / active EE | $6,076 | $5,287+14.9% | $4,934+23.1% | $4,661+30.4% |
| Participant deferral / active EE | $17,828 | $8,427+111.5% | $8,070+120.9% | $6,689+166.5% |
| Admin fee / account holder | $33,379 | $15,053+121.7% | $13,006+156.6% | $13,398+149.1% |