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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 | $281,062 | $112,729+149.3% | $98,716+184.7% | $137,256+104.8% |
| Participation rate | 87.5% | 74.2%+13.3pp | 69.3%+18.2pp | 80.0%+7.5pp |
| Annual return | 16.09% | 38.48%-22.4pp | 31.81%-15.7pp | 220.34%-204.2pp |
| Employer contribution / active EE | $10,113 | $2,725+271.1% | $2,279+343.8% | $4,156+143.3% |
| Participant deferral / active EE | $9,377 | $4,640+102.1% | $4,048+131.7% | $6,407+46.4% |
| Admin fee / account holder | $6,166 | $10,129-39.1% | $8,703-29.1% | $12,270-49.7% |