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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 | $417,218 | $108,825+283.4% | $156,181+167.1% | $82,448+406.0% |
| Participation rate | 88.0% | 72.4%+15.6pp | 78.8%+9.2pp | 68.1%+19.9pp |
| Annual return | 14.41% | 20.59%-6.2pp | 64.87%-50.5pp | 41.64%-27.2pp |
| Employer contribution / active EE | $4,973 | $2,870+73.3% | $4,294+15.8% | $2,551+94.9% |
| Participant deferral / active EE | $10,746 | $4,577+134.8% | $6,132+75.2% | $4,139+159.6% |
| Admin fee / account holder | $11,256 | $9,341+20.5% | $14,586-22.8% | $7,234+55.6% |