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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 | $254,258 | $156,398+62.6% | $147,318+72.6% | $138,895+83.1% |
| Participation rate | 90.9% | 83.8%+7.2pp | 82.1%+8.8pp | 79.9%+11.0pp |
| Annual return | 19.09% | 78.75%-59.7pp | 70.43%-51.3pp | 145.39%-126.3pp |
| Employer contribution / active EE | $10,673 | $4,853+119.9% | $4,593+132.4% | $4,194+154.5% |
| Participant deferral / active EE | $13,748 | $8,237+66.9% | $7,906+73.9% | $6,396+114.9% |
| Admin fee / account holder | $1,471 | $14,976-90.2% | $13,708-89.3% | $12,562-88.3% |