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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 | $265,662 | $108,897+144.0% | $100,378+164.7% | $145,877+82.1% |
| Participation rate | 85.7% | 83.0%+2.7pp | 81.5%+4.2pp | 80.3%+5.4pp |
| Annual return | 10.36% | 58.17%-47.8pp | 49.41%-39.0pp | 551.28%-540.9pp |
| Employer contribution / active EE | $2,381 | $4,420-46.1% | $3,942-39.6% | $4,663-48.9% |
| Participant deferral / active EE | $14,327 | $8,455+69.5% | $8,087+77.2% | $6,691+114.1% |
| Admin fee / account holder | $12,705 | $9,690+31.1% | $7,899+60.8% | $13,402-5.2% |