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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 | $318,292 | $212,386+49.9% | $199,883+59.2% | $138,895+129.2% |
| Participation rate | 88.9% | 87.4%+1.5pp | 86.8%+2.1pp | 79.9%+9.0pp |
| Annual return | 15.76% | 47.75%-32.0pp | 43.81%-28.0pp | 145.39%-129.6pp |
| Employer contribution / active EE | $10,356 | $6,625+56.3% | $6,261+65.4% | $4,194+146.9% |
| Participant deferral / active EE | $10,409 | $9,617+8.2% | $9,138+13.9% | $6,396+62.7% |
| Admin fee / account holder | $1,908 | $18,233-89.5% | $17,268-89.0% | $12,562-84.8% |