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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 | $402,301 | $172,111+133.7% | $150,298+167.7% | $137,256+193.1% |
| Participation rate | 78.6% | 81.7%-3.1pp | 77.8%+0.8pp | 80.0%-1.4pp |
| Annual return | 19.98% | 69.37%-49.4pp | 62.79%-42.8pp | 220.34%-200.4pp |
| Employer contribution / active EE | $8,145 | $4,636+75.7% | $4,154+96.1% | $4,156+96.0% |
| Participant deferral / active EE | $13,137 | $6,166+113.1% | $5,453+140.9% | $6,407+105.0% |
| Admin fee / account holder | $437 | $16,471-97.3% | $14,116-96.9% | $12,270-96.4% |