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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 | $336,821 | $181,896+85.2% | $156,551+115.2% | $273,972+22.9% |
| Participation rate | 85.7% | 88.4%-2.7pp | 84.0%+1.7pp | 83.0%+2.7pp |
| Annual return | 8.08% | 30.74%-22.7pp | 32.23%-24.1pp | 41.46%-33.4pp |
| Employer contribution / active EE | $11,152 | $6,248+78.5% | $5,501+102.7% | $4,869+129.1% |
| Participant deferral / active EE | $6,837 | $5,550+23.2% | $4,871+40.4% | $5,287+29.3% |
| Admin fee / account holder | $3,621 | $15,560-76.7% | $13,028-72.2% | $10,133-64.3% |