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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 | $172,111+135.0% | $150,298+169.2% | $137,256+194.7% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 22.23% | 69.37%-47.1pp | 62.79%-40.6pp | 220.34%-198.1pp |
| Employer contribution / active EE | $13,132 | $4,636+183.3% | $4,154+216.1% | $4,156+216.0% |
| Participant deferral / active EE | $12,723 | $6,166+106.4% | $5,453+133.3% | $6,407+98.6% |
| Admin fee / account holder | $1,750 | $16,471-89.4% | $14,116-87.6% | $12,270-85.7% |