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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 | $354,385 | $162,136+118.6% | $152,301+132.7% | $154,746+129.0% |
| Participation rate | 88.9% | 84.1%+4.8pp | 82.4%+6.4pp | 80.7%+8.2pp |
| Annual return | 19.48% | 91.02%-71.5pp | 80.50%-61.0pp | 172.34%-152.9pp |
| Employer contribution / active EE | $3,544 | $4,890-27.5% | $4,624-23.4% | $4,379-19.1% |
| Participant deferral / active EE | $13,361 | $8,341+60.2% | $8,004+66.9% | $6,730+98.5% |
| Admin fee / account holder | $9,704 | $15,759-38.4% | $14,398-32.6% | $14,365-32.4% |