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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 | $371,264 | $217,432+70.7% | $185,849+99.8% | $167,536+121.6% |
| Participation rate | 83.3% | 86.1%-2.7pp | 81.7%+1.6pp | 82.1%+1.2pp |
| Annual return | 16.42% | 148.42%-132.0pp | 122.10%-105.7pp | 478.82%-462.4pp |
| Employer contribution / active EE | $13,834 | $5,875+135.5% | $5,169+167.7% | $4,839+185.9% |
| Participant deferral / active EE | $8,413 | $6,357+32.3% | $5,569+51.1% | $6,342+32.7% |
| Admin fee / account holder | $7,257 | $19,818-63.4% | $16,244-55.3% | $12,315-41.1% |