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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 | $345,178 | $111,535+209.5% | $105,223+228.0% | $137,256+151.5% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 17.41% | 237.85%-220.4pp | 180.65%-163.2pp | 220.34%-202.9pp |
| Employer contribution / active EE | $8,753 | $3,939+122.2% | $3,689+137.3% | $4,156+110.6% |
| Participant deferral / active EE | $14,174 | $5,500+157.7% | $5,072+179.5% | $6,407+121.2% |
| Admin fee / account holder | $46,897 | $9,721+382.4% | $8,859+429.4% | $12,270+282.2% |