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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 | $352,396 | $81,504+332.4% | $102,437+244.0% | $80,959+335.3% |
| Participation rate | 93.9% | 66.9%+27.1pp | 74.5%+19.4pp | 67.7%+26.3pp |
| Annual return | 13.26% | 25.60%-12.3pp | 24.95%-11.7pp | 35.67%-22.4pp |
| Employer contribution / active EE | $7,813 | $3,104+151.7% | $3,871+101.8% | $2,757+183.4% |
| Participant deferral / active EE | $13,279 | $3,871+243.1% | $5,060+162.4% | $4,300+208.8% |
| Admin fee / account holder | $28,503 | $6,719+324.2% | $8,388+239.8% | $6,925+311.6% |