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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 | $294,712 | $110,286+167.2% | $96,569+205.2% | $139,427+111.4% |
| Participation rate | 81.3% | 78.1%+3.2pp | 76.0%+5.3pp | 80.3%+0.9pp |
| Annual return | 17.91% | 26.39%-8.5pp | 25.87%-8.0pp | 373.27%-355.4pp |
| Employer contribution / active EE | $6,791 | $3,619+87.7% | $2,965+129.0% | $4,752+42.9% |
| Participant deferral / active EE | $5,226 | $5,546-5.8% | $4,851+7.7% | $6,711-22.1% |
| Admin fee / account holder | $12,078 | $11,592+4.2% | $8,251+46.4% | $11,404+5.9% |