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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 | $752,946 | $174,379+331.8% | $152,093+395.1% | $138,895+442.1% |
| Participation rate | 71.4% | 81.6%-10.2pp | 77.8%-6.3pp | 79.9%-8.5pp |
| Annual return | 12.52% | 74.86%-62.3pp | 66.36%-53.8pp | 145.39%-132.9pp |
| Employer contribution / active EE | $2,416 | $4,652-48.1% | $4,175-42.1% | $4,194-42.4% |
| Participant deferral / active EE | $6,632 | $6,159+7.7% | $5,451+21.6% | $6,396+3.7% |
| Admin fee / account holder | $18,450 | $16,880+9.3% | $14,497+27.3% | $12,562+46.9% |