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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 | $341,795 | $197,625+73.0% | $177,840+92.2% | $158,966+115.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 26.36% | 58.76%-32.4pp | 48.32%-22.0pp | 302.95%-276.6pp |
| Employer contribution / active EE | $6,174 | $6,698-7.8% | $5,919+4.3% | $4,762+29.6% |
| Participant deferral / active EE | $11,302 | $8,405+34.5% | $7,714+46.5% | $5,983+88.9% |
| Admin fee / account holder | $1,631 | $15,405-89.4% | $12,431-86.9% | $11,250-85.5% |