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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 | $458,131 | $213,785+114.3% | $185,441+147.0% | $155,188+195.2% |
| Participation rate | 90.9% | 83.2%+7.7pp | 80.3%+10.6pp | 80.8%+10.1pp |
| Annual return | 11.95% | 19.97%-8.0pp | 20.16%-8.2pp | 148.84%-136.9pp |
| Employer contribution / active EE | $12,259 | $5,393+127.3% | $4,672+162.4% | $4,248+188.6% |
| Participant deferral / active EE | $15,131 | $6,864+120.4% | $6,152+146.0% | $6,531+131.7% |
| Admin fee / account holder | $12,853 | $21,134-39.2% | $17,890-28.2% | $14,480-11.2% |