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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 | $321,033 | $110,240+191.2% | $96,544+232.5% | $139,487+130.2% |
| Participation rate | 87.5% | 78.1%+9.4pp | 76.0%+11.5pp | 80.3%+7.2pp |
| Annual return | 14.68% | 26.41%-11.7pp | 25.88%-11.2pp | 373.84%-359.2pp |
| Employer contribution / active EE | $5,581 | $3,622+54.1% | $2,966+88.2% | $4,755+17.4% |
| Participant deferral / active EE | $11,044 | $5,549+99.0% | $4,851+127.6% | $6,713+64.5% |
| Admin fee / account holder | $4,142 | $11,602-64.3% | $8,254-49.8% | $11,407-63.7% |