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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 | $279,132 | $100,203+178.6% | $85,240+227.5% | $145,897+91.3% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 11.40% | 84.28%-72.9pp | 66.75%-55.4pp | 552.29%-540.9pp |
| Employer contribution / active EE | $1,464 | $3,242-54.8% | $2,735-46.5% | $4,663-68.6% |
| Participant deferral / active EE | $16,721 | $5,299+215.6% | $4,527+269.4% | $6,689+150.0% |
| Admin fee / account holder | $517 | $7,265-92.9% | $6,165-91.6% | $13,390-96.1% |