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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 | $278,248 | $51,638+438.8% | $68,368+307.0% | $82,448+237.5% |
| Participation rate | 96.4% | 63.6%+32.8pp | 73.8%+22.7pp | 68.1%+28.4pp |
| Annual return | 20.51% | 37.53%-17.0pp | 292.57%-272.1pp | 41.64%-21.1pp |
| Employer contribution / active EE | $3,254 | $2,047+59.0% | $2,649+22.8% | $2,551+27.6% |
| Participant deferral / active EE | $6,896 | $2,914+136.7% | $4,123+67.3% | $4,139+66.6% |
| Admin fee / account holder | $10,296 | $4,643+121.7% | $5,150+99.9% | $7,234+42.3% |