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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 | $476,336 | $254,759+87.0% | $216,567+119.9% | $198,609+139.8% |
| Participation rate | 90.9% | 84.5%+6.4pp | 81.6%+9.3pp | 82.4%+8.5pp |
| Annual return | 18.12% | 10.04%+8.1pp | 12.94%+5.2pp | 202.70%-184.6pp |
| Employer contribution / active EE | $10,903 | $6,096+78.8% | $5,216+109.0% | $5,055+115.7% |
| Participant deferral / active EE | $7,000 | $6,948+0.7% | $6,191+13.1% | $6,977+0.3% |
| Admin fee / account holder | $4,403 | $26,311-83.3% | $21,981-80.0% | $19,030-76.9% |