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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 | $398,087 | $162,136+145.5% | $152,301+161.4% | $154,746+157.3% |
| Participation rate | 77.8% | 84.1%-6.3pp | 82.4%-4.7pp | 80.7%-2.9pp |
| Annual return | 17.78% | 91.02%-73.2pp | 80.50%-62.7pp | 172.34%-154.6pp |
| Employer contribution / active EE | $925 | $4,890-81.1% | $4,624-80.0% | $4,379-78.9% |
| Participant deferral / active EE | $9,671 | $8,341+16.0% | $8,004+20.8% | $6,730+43.7% |
| Admin fee / account holder | $4,998 | $15,759-68.3% | $14,398-65.3% | $14,365-65.2% |