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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 | $306,961 | $172,111+78.4% | $150,298+104.2% | $137,256+123.6% |
| Participation rate | 70.0% | 81.7%-11.7pp | 77.8%-7.8pp | 80.0%-10.0pp |
| Annual return | 13.70% | 69.37%-55.7pp | 62.79%-49.1pp | 220.34%-206.6pp |
| Employer contribution / active EE | $8,815 | $4,636+90.1% | $4,154+112.2% | $4,156+112.1% |
| Participant deferral / active EE | $6,564 | $6,166+6.5% | $5,453+20.4% | $6,407+2.5% |
| Admin fee / account holder | $1,843 | $16,471-88.8% | $14,116-86.9% | $12,270-85.0% |