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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 | $446,882 | $111,814+299.7% | $103,378+332.3% | $145,978+206.1% |
| Participation rate | 93.8% | 77.9%+15.8pp | 74.5%+19.2pp | 80.3%+13.5pp |
| Annual return | 16.48% | 24.80%-8.3pp | 24.91%-8.4pp | 550.52%-534.0pp |
| Employer contribution / active EE | $8,329 | $4,215+97.6% | $3,870+115.2% | $4,662+78.7% |
| Participant deferral / active EE | $16,414 | $5,618+192.2% | $5,058+224.5% | $6,690+145.4% |
| Admin fee / account holder | $5,148 | $9,764-47.3% | $8,401-38.7% | $13,400-61.6% |