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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 | $270,414 | $198,461+36.3% | $170,436+58.7% | $147,585+83.2% |
| Participation rate | 85.7% | 88.0%-2.3pp | 83.6%+2.1pp | 82.8%+2.9pp |
| Annual return | 19.71% | 257.30%-237.6pp | 205.94%-186.2pp | 578.57%-558.9pp |
| Employer contribution / active EE | $6,598 | $6,184+6.7% | $5,433+21.5% | $4,876+35.3% |
| Participant deferral / active EE | $8,594 | $5,629+52.7% | $4,939+74.0% | $5,439+58.0% |
| Admin fee / account holder | $33,425 | $16,852+98.3% | $13,880+140.8% | $10,885+207.1% |