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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 | $560,287 | $196,972+184.5% | $182,262+207.4% | $198,609+182.1% |
| Participation rate | 85.7% | 85.7%0pp | 84.2%+1.5pp | 82.4%+3.3pp |
| Annual return | 10.26% | 158.27%-148.0pp | 140.60%-130.3pp | 202.70%-192.4pp |
| Employer contribution / active EE | $3,066 | $5,364-42.8% | $5,046-39.2% | $5,055-39.4% |
| Participant deferral / active EE | $10,862 | $8,643+25.7% | $8,276+31.2% | $6,977+55.7% |
| Admin fee / account holder | $1,782 | $18,429-90.3% | $16,712-89.3% | $19,030-90.6% |