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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 | $618,171 | $185,312+233.6% | $161,489+282.8% | $154,746+299.5% |
| Participation rate | 80.0% | 82.5%-2.5pp | 78.7%+1.3pp | 80.7%-0.7pp |
| Annual return | 16.11% | 103.84%-87.7pp | 89.72%-73.6pp | 172.34%-156.2pp |
| Employer contribution / active EE | $9,495 | $4,769+99.1% | $4,268+122.5% | $4,379+116.8% |
| Participant deferral / active EE | $10,942 | $6,350+72.3% | $5,630+94.3% | $6,730+62.6% |
| Admin fee / account holder | $9,753 | $18,654-47.7% | $16,006-39.1% | $14,365-32.1% |