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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 | $261,157 | $166,242+57.1% | $165,071+58.2% | $145,884+79.0% |
| Participation rate | 84.2% | 82.0%+2.2pp | 78.6%+5.6pp | 80.3%+3.9pp |
| Annual return | 13.43% | 100.44%-87.0pp | 70.17%-56.7pp | 551.85%-538.4pp |
| Employer contribution / active EE | $8,082 | $5,283+53.0% | $4,347+85.9% | $4,662+73.4% |
| Participant deferral / active EE | $9,489 | $6,964+36.2% | $6,035+57.2% | $6,690+41.8% |
| Admin fee / account holder | $1,057 | $16,658-93.7% | $12,695-91.7% | $13,392-92.1% |