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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 | $328,272 | $156,398+109.9% | $147,318+122.8% | $138,895+136.3% |
| Participation rate | 88.9% | 83.8%+5.1pp | 82.1%+6.8pp | 79.9%+9.0pp |
| Annual return | 16.24% | 78.75%-62.5pp | 70.43%-54.2pp | 145.39%-129.2pp |
| Employer contribution / active EE | $3,939 | $4,853-18.8% | $4,593-14.2% | $4,194-6.1% |
| Participant deferral / active EE | $7,228 | $8,237-12.3% | $7,906-8.6% | $6,396+13.0% |
| Admin fee / account holder | $16,001 | $14,976+6.8% | $13,708+16.7% | $12,562+27.4% |