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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 | $174,379+176.6% | $152,093+217.1% | $138,895+247.3% |
| Participation rate | 87.5% | 81.6%+5.9pp | 77.8%+9.7pp | 79.9%+7.6pp |
| Annual return | 18.98% | 74.86%-55.9pp | 66.36%-47.4pp | 145.39%-126.4pp |
| Employer contribution / active EE | $7,674 | $4,652+65.0% | $4,175+83.8% | $4,194+83.0% |
| Participant deferral / active EE | $5,351 | $6,159-13.1% | $5,451-1.8% | $6,396-16.3% |
| Admin fee / account holder | $23,525 | $16,880+39.4% | $14,497+62.3% | $12,562+87.3% |