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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 | $313,363 | $217,432+44.1% | $185,849+68.6% | $167,536+87.0% |
| Participation rate | 87.5% | 86.1%+1.4pp | 81.7%+5.8pp | 82.1%+5.4pp |
| Annual return | 17.23% | 148.42%-131.2pp | 122.10%-104.9pp | 478.82%-461.6pp |
| Employer contribution / active EE | $2,667 | $5,875-54.6% | $5,169-48.4% | $4,839-44.9% |
| Participant deferral / active EE | $5,256 | $6,357-17.3% | $5,569-5.6% | $6,342-17.1% |
| Admin fee / account holder | $488 | $19,818-97.5% | $16,244-97.0% | $12,315-96.0% |