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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 | $435,794 | $172,111+153.2% | $150,298+190.0% | $137,256+217.5% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 17.13% | 69.37%-52.2pp | 62.79%-45.7pp | 220.34%-203.2pp |
| Employer contribution / active EE | $5,921 | $4,636+27.7% | $4,154+42.5% | $4,156+42.5% |
| Participant deferral / active EE | $9,049 | $6,166+46.8% | $5,453+65.9% | $6,407+41.2% |
| Admin fee / account holder | $4,175 | $16,471-74.7% | $14,116-70.4% | $12,270-66.0% |