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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 | $412,614 | $102,609+302.1% | $98,090+320.6% | $138,895+197.1% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 17.87% | 36.44%-18.6pp | 37.05%-19.2pp | 145.39%-127.5pp |
| Employer contribution / active EE | $11,816 | $3,867+205.5% | $3,606+227.7% | $4,194+181.7% |
| Participant deferral / active EE | $16,558 | $8,167+102.7% | $7,845+111.1% | $6,396+158.9% |
| Admin fee / account holder | $3,627 | $11,434-68.3% | $11,815-69.3% | $12,562-71.1% |