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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 | $402,121 | $183,516+119.1% | $155,534+158.5% | $145,884+175.6% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 15.80% | 61.43%-45.6pp | 64.92%-49.1pp | 551.85%-536.0pp |
| Employer contribution / active EE | $5,905 | $5,315+11.1% | $4,675+26.3% | $4,662+26.6% |
| Participant deferral / active EE | $8,104 | $6,467+25.3% | $5,630+43.9% | $6,690+21.1% |
| Admin fee / account holder | $2,836 | $19,293-85.3% | $15,900-82.2% | $13,392-78.8% |