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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 | $494,145 | $209,336+136.1% | $197,124+150.7% | $137,256+260.0% |
| Participation rate | 87.5% | 87.3%+0.2pp | 86.7%+0.8pp | 80.0%+7.5pp |
| Annual return | 17.31% | 48.09%-30.8pp | 44.34%-27.0pp | 220.34%-203.0pp |
| Employer contribution / active EE | $19,521 | $6,591+196.2% | $6,227+213.5% | $4,156+369.7% |
| Participant deferral / active EE | $12,175 | $9,614+26.6% | $9,135+33.3% | $6,407+90.0% |
| Admin fee / account holder | $1,911 | $17,308-89.0% | $16,298-88.3% | $12,270-84.4% |