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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 | $365,155 | $154,193+136.8% | $130,045+180.8% | $139,466+161.8% |
| Participation rate | 87.5% | 82.0%+5.5pp | 78.5%+9.0pp | 80.3%+7.2pp |
| Annual return | 15.56% | 32.51%-16.9pp | -137.30%+152.9pp | 373.66%-358.1pp |
| Employer contribution / active EE | $5,946 | $5,292+12.4% | $4,321+37.6% | $4,754+25.1% |
| Participant deferral / active EE | $16,047 | $6,709+139.2% | $5,820+175.7% | $6,712+139.1% |
| Admin fee / account holder | $3,371 | $13,989-75.9% | $10,600-68.2% | $11,409-70.5% |