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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 | $306,408 | $126,661+141.9% | $113,397+170.2% | $138,895+120.6% |
| Participation rate | 83.3% | 79.4%+3.9pp | 76.5%+6.8pp | 79.9%+3.4pp |
| Annual return | 15.15% | 25.05%-9.9pp | 23.20%-8.0pp | 145.39%-130.2pp |
| Employer contribution / active EE | $2,640 | $3,456-23.6% | $2,977-11.3% | $4,194-37.1% |
| Participant deferral / active EE | $12,416 | $5,693+118.1% | $5,076+144.6% | $6,396+94.1% |
| Admin fee / account holder | $783 | $14,549-94.6% | $11,957-93.5% | $12,562-93.8% |