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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 | $382,573 | $112,729+239.4% | $98,716+287.5% | $137,256+178.7% |
| Participation rate | 83.3% | 74.2%+9.1pp | 69.3%+14.0pp | 80.0%+3.4pp |
| Annual return | 14.30% | 38.48%-24.2pp | 31.81%-17.5pp | 220.34%-206.0pp |
| Employer contribution / active EE | $2,482 | $2,725-8.9% | $2,279+8.9% | $4,156-40.3% |
| Participant deferral / active EE | $8,992 | $4,640+93.8% | $4,048+122.2% | $6,407+40.4% |
| Admin fee / account holder | $1,177 | $10,129-88.4% | $8,703-86.5% | $12,270-90.4% |