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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 | $1,238,855 | $172,111+619.8% | $150,298+724.3% | $137,256+802.6% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 12.30% | 69.37%-57.1pp | 62.79%-50.5pp | 220.34%-208.0pp |
| Employer contribution / active EE | $1,736 | $4,636-62.6% | $4,154-58.2% | $4,156-58.2% |
| Participant deferral / active EE | $16,553 | $6,166+168.5% | $5,453+203.6% | $6,407+158.4% |
| Admin fee / account holder | $350 | $16,471-97.9% | $14,116-97.5% | $12,270-97.1% |