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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 | $332,242 | $73,940+349.3% | $96,496+244.3% | $75,173+342.0% |
| Participation rate | 89.1% | 66.4%+22.6pp | 74.3%+14.7pp | 67.2%+21.9pp |
| Annual return | 17.54% | 26.71%-9.2pp | 35.70%-18.2pp | 160.65%-143.1pp |
| Employer contribution / active EE | $1,638 | $2,929-44.1% | $3,738-56.2% | $2,670-38.6% |
| Participant deferral / active EE | $11,668 | $3,659+218.9% | $4,879+139.2% | $4,126+182.8% |
| Admin fee / account holder | $8,831 | $5,216+69.3% | $6,731+31.2% | $5,651+56.3% |