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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 | $298,545 | $135,956+119.6% | $123,894+141.0% | $273,972+9.0% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 6.17% | 56.63%-50.5pp | 47.52%-41.4pp | 41.46%-35.3pp |
| Employer contribution / active EE | $5,498 | $5,170+6.3% | $4,617+19.1% | $4,869+12.9% |
| Participant deferral / active EE | $10,003 | $6,343+57.7% | $5,984+67.2% | $5,287+89.2% |
| Admin fee / account holder | $11,036 | $9,817+12.4% | $8,357+32.1% | $10,133+8.9% |