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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 | $271,207 | $138,312+96.1% | $122,979+120.5% | $155,188+74.8% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 20.55% | 22.06%-1.5pp | 20.12%+0.4pp | 148.84%-128.3pp |
| Employer contribution / active EE | $12,150 | $3,530+244.1% | $3,062+296.7% | $4,248+186.0% |
| Participant deferral / active EE | $7,144 | $5,592+27.7% | $5,003+42.8% | $6,531+9.4% |
| Admin fee / account holder | $20,613 | $15,089+36.6% | $12,864+60.2% | $14,480+42.4% |