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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 | $295,824 | $102,595+188.3% | $94,057+214.5% | $154,746+91.2% |
| Participation rate | 92.9% | 76.0%+16.9pp | 73.3%+19.5pp | 80.7%+12.2pp |
| Annual return | 17.08% | 583.42%-566.3pp | 480.62%-463.5pp | 172.34%-155.3pp |
| Employer contribution / active EE | $5,344 | $3,147+69.8% | $2,933+82.2% | $4,379+22.0% |
| Participant deferral / active EE | $12,250 | $5,118+139.3% | $4,709+160.1% | $6,730+82.0% |
| Admin fee / account holder | $2,889 | $7,736-62.7% | $7,244-60.1% | $14,365-79.9% |