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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 | $335,091 | $211,946+58.1% | $169,452+97.7% | $135,380+147.5% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | 7.29% | 3.26%+4.0pp | 1.83%+5.5pp | 519.81%-512.5pp |
| Employer contribution / active EE | $12,042 | $5,117+135.3% | $4,157+189.7% | $4,779+152.0% |
| Participant deferral / active EE | $12,606 | $6,075+107.5% | $5,277+138.9% | $5,609+124.7% |
| Admin fee / account holder | $3,082 | $11,472-73.1% | $9,110-66.2% | $10,828-71.5% |