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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 | $404,540 | $185,312+118.3% | $161,489+150.5% | $154,746+161.4% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 22.23% | 103.84%-81.6pp | 89.72%-67.5pp | 172.34%-150.1pp |
| Employer contribution / active EE | $13,132 | $4,769+175.4% | $4,268+207.7% | $4,379+199.9% |
| Participant deferral / active EE | $12,723 | $6,350+100.4% | $5,630+126.0% | $6,730+89.0% |
| Admin fee / account holder | $1,750 | $18,654-90.6% | $16,006-89.1% | $14,365-87.8% |