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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 | $316,244 | $93,064+239.8% | $74,577+324.1% | $273,972+15.4% |
| Participation rate | 100.0% | 74.9%+25.1pp | 68.1%+31.9pp | 83.0%+17.0pp |
| Annual return | 8.56% | 26.18%-17.6pp | 20.47%-11.9pp | 41.46%-32.9pp |
| Employer contribution / active EE | $19,276 | $3,160+510.0% | $2,525+663.3% | $4,869+295.9% |
| Participant deferral / active EE | $9,154 | $4,160+120.0% | $3,458+164.7% | $5,287+73.1% |
| Admin fee / account holder | $1,314 | $5,273-75.1% | $4,138-68.2% | $10,133-87.0% |