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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 | $369,876 | $181,062+104.3% | $158,223+133.8% | $155,188+138.3% |
| Participation rate | 76.9% | 82.7%-5.7pp | 79.2%-2.3pp | 80.8%-3.9pp |
| Annual return | 8.86% | 57.39%-48.5pp | 52.09%-43.2pp | 148.84%-140.0pp |
| Employer contribution / active EE | $12,193 | $4,565+167.1% | $4,109+196.8% | $4,248+187.0% |
| Participant deferral / active EE | $6,229 | $6,134+1.5% | $5,467+13.9% | $6,531-4.6% |
| Admin fee / account holder | $1,247 | $18,825-93.4% | $16,047-92.2% | $14,480-91.4% |