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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 | $482,344 | $181,062+166.4% | $158,223+204.9% | $155,188+210.8% |
| Participation rate | 87.5% | 82.7%+4.8pp | 79.2%+8.3pp | 80.8%+6.7pp |
| Annual return | 18.98% | 57.39%-38.4pp | 52.09%-33.1pp | 148.84%-129.9pp |
| Employer contribution / active EE | $7,674 | $4,565+68.1% | $4,109+86.8% | $4,248+80.7% |
| Participant deferral / active EE | $5,351 | $6,134-12.8% | $5,467-2.1% | $6,531-18.1% |
| Admin fee / account holder | $23,525 | $18,825+25.0% | $16,047+46.6% | $14,480+62.5% |