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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 | $560,568 | $185,312+202.5% | $161,489+247.1% | $154,746+262.3% |
| Participation rate | 80.0% | 82.5%-2.5pp | 78.7%+1.3pp | 80.7%-0.7pp |
| Annual return | 18.92% | 103.84%-84.9pp | 89.72%-70.8pp | 172.34%-153.4pp |
| Employer contribution / active EE | $8,041 | $4,769+68.6% | $4,268+88.4% | $4,379+83.6% |
| Participant deferral / active EE | $9,100 | $6,350+43.3% | $5,630+61.6% | $6,730+35.2% |
| Admin fee / account holder | $4,801 | $18,654-74.3% | $16,006-70.0% | $14,365-66.6% |