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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 | $441,477 | $217,432+103.0% | $185,851+137.5% | $167,553+163.5% |
| Participation rate | 75.0% | 86.1%-11.1pp | 81.7%-6.7pp | 82.1%-7.1pp |
| Annual return | 14.70% | 148.43%-133.7pp | 122.11%-107.4pp | 478.89%-464.2pp |
| Employer contribution / active EE | $10,787 | $5,874+83.6% | $5,168+108.7% | $4,840+122.9% |
| Participant deferral / active EE | $7,174 | $6,357+12.9% | $5,569+28.8% | $6,343+13.1% |
| Admin fee / account holder | $6,022 | $19,820-69.6% | $16,245-62.9% | $12,316-51.1% |