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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 | $258,310 | $118,708+117.6% | $98,920+161.1% | $158,966+62.5% |
| Participation rate | 90.0% | 77.8%+12.2pp | 76.0%+14.0pp | 82.0%+8.0pp |
| Annual return | 18.43% | 372.49%-354.1pp | 196.47%-178.0pp | 302.95%-284.5pp |
| Employer contribution / active EE | $2,422 | $3,334-27.4% | $2,689-10.0% | $4,762-49.2% |
| Participant deferral / active EE | $6,727 | $5,089+32.2% | $4,245+58.5% | $5,983+12.4% |
| Admin fee / account holder | $2,012 | $10,134-80.1% | $6,643-69.7% | $11,250-82.1% |