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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 | $399,370 | $183,592+117.5% | $155,574+156.7% | $145,877+173.8% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 9.47% | 61.37%-51.9pp | 64.87%-55.4pp | 551.28%-541.8pp |
| Employer contribution / active EE | $11,576 | $5,317+117.7% | $4,676+147.6% | $4,663+148.2% |
| Participant deferral / active EE | $12,444 | $6,466+92.5% | $5,629+121.1% | $6,691+86.0% |
| Admin fee / account holder | $7,648 | $19,316-60.4% | $15,914-51.9% | $13,402-42.9% |