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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 | $253,156 | $160,070+58.2% | $147,117+72.1% | $145,897+73.5% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 10.86% | 98.69%-87.8pp | 420.54%-409.7pp | 552.29%-541.4pp |
| Employer contribution / active EE | $9,345 | $5,285+76.8% | $4,932+89.5% | $4,663+100.4% |
| Participant deferral / active EE | $10,093 | $8,419+19.9% | $8,065+25.2% | $6,689+50.9% |
| Admin fee / account holder | $1,126 | $15,035-92.5% | $12,993-91.3% | $13,390-91.6% |