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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 | $251,701 | $185,312+35.8% | $161,489+55.9% | $154,746+62.7% |
| Participation rate | 94.1% | 82.5%+11.7pp | 78.7%+15.4pp | 80.7%+13.4pp |
| Annual return | 15.40% | 103.84%-88.4pp | 89.72%-74.3pp | 172.34%-156.9pp |
| Employer contribution / active EE | $21,378 | $4,769+348.3% | $4,268+400.9% | $4,379+388.2% |
| Participant deferral / active EE | $19,434 | $6,350+206.1% | $5,630+245.2% | $6,730+188.7% |
| Admin fee / account holder | $21,595 | $18,654+15.8% | $16,006+34.9% | $14,365+50.3% |