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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 | $417,942 | $181,896+129.8% | $156,551+167.0% | $273,972+52.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 8.28% | 30.74%-22.5pp | 32.23%-23.9pp | 41.46%-33.2pp |
| Employer contribution / active EE | $22,602 | $6,248+261.8% | $5,501+310.9% | $4,869+364.2% |
| Participant deferral / active EE | $12,644 | $5,550+127.8% | $4,871+159.6% | $5,287+139.2% |
| Admin fee / account holder | $5,508 | $15,560-64.6% | $13,028-57.7% | $10,133-45.6% |