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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 | $330,907 | $209,425+58.0% | $178,499+85.4% | $158,966+108.2% |
| Participation rate | 88.9% | 86.4%+2.5pp | 81.9%+7.0pp | 82.0%+6.9pp |
| Annual return | 15.23% | 188.80%-173.6pp | 151.10%-135.9pp | 302.95%-287.7pp |
| Employer contribution / active EE | $18,399 | $5,707+222.4% | $5,011+267.2% | $4,762+286.3% |
| Participant deferral / active EE | $9,135 | $5,955+53.4% | $5,202+75.6% | $5,983+52.7% |
| Admin fee / account holder | $1,129 | $17,078-93.4% | $13,986-91.9% | $11,250-90.0% |