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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 | $367,286 | $148,629+147.1% | $135,982+170.1% | $139,487+163.3% |
| Participation rate | 87.5% | 83.9%+3.6pp | 81.9%+5.6pp | 80.3%+7.2pp |
| Annual return | 13.48% | 79.33%-65.8pp | 68.32%-54.8pp | 373.84%-360.4pp |
| Employer contribution / active EE | $8,502 | $5,247+62.0% | $4,859+75.0% | $4,755+78.8% |
| Participant deferral / active EE | $10,652 | $8,102+31.5% | $7,760+37.3% | $6,713+58.7% |
| Admin fee / account holder | $1,585 | $12,406-87.2% | $10,767-85.3% | $11,407-86.1% |