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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 | $267,650 | $126,661+111.3% | $113,397+136.0% | $138,895+92.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 14.54% | 25.05%-10.5pp | 23.20%-8.7pp | 145.39%-130.9pp |
| Employer contribution / active EE | $3,333 | $3,456-3.6% | $2,977+12.0% | $4,194-20.5% |
| Participant deferral / active EE | $8,262 | $5,693+45.1% | $5,076+62.8% | $6,396+29.2% |
| Admin fee / account holder | $34,917 | $14,549+140.0% | $11,957+192.0% | $12,562+178.0% |