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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 | $353,372 | $183,592+92.5% | $155,567+127.2% | $145,959+142.1% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 11.31% | 61.24%-49.9pp | 64.74%-53.4pp | 561.95%-550.6pp |
| Employer contribution / active EE | $7,714 | $5,315+45.1% | $4,674+65.0% | $4,661+65.5% |
| Participant deferral / active EE | $7,611 | $6,464+17.7% | $5,628+35.2% | $6,689+13.8% |
| Admin fee / account holder | $2,747 | $19,318-85.8% | $15,916-82.7% | $13,398-79.5% |