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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 | $301,206 | $183,592+64.1% | $155,567+93.6% | $145,959+106.4% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 12.47% | 61.24%-48.8pp | 64.74%-52.3pp | 561.95%-549.5pp |
| Employer contribution / active EE | $9,534 | $5,315+79.4% | $4,674+104.0% | $4,661+104.6% |
| Participant deferral / active EE | $8,490 | $6,464+31.3% | $5,628+50.9% | $6,689+26.9% |
| Admin fee / account holder | $6,333 | $19,318-67.2% | $15,916-60.2% | $13,398-52.7% |