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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 | $332,097 | $183,592+80.9% | $155,574+113.5% | $145,877+127.7% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 51.56% | 61.37%-9.8pp | 64.87%-13.3pp | 551.28%-499.7pp |
| Employer contribution / active EE | $2,838 | $5,317-46.6% | $4,676-39.3% | $4,663-39.1% |
| Participant deferral / active EE | $9,445 | $6,466+46.1% | $5,629+67.8% | $6,691+41.2% |
| Admin fee / account holder | $927 | $19,316-95.2% | $15,914-94.2% | $13,402-93.1% |