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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 | $73,988+349.1% | $96,538+244.2% | $75,177+341.9% |
| Participation rate | 89.1% | 66.4%+22.6pp | 74.3%+14.7pp | 67.2%+21.9pp |
| Annual return | 17.54% | 26.73%-9.2pp | 35.74%-18.2pp | 160.75%-143.2pp |
| Employer contribution / active EE | $1,638 | $2,930-44.1% | $3,740-56.2% | $2,671-38.7% |
| Participant deferral / active EE | $11,668 | $3,660+218.7% | $4,880+139.1% | $4,126+182.8% |
| Admin fee / account holder | $8,831 | $5,220+69.2% | $6,737+31.1% | $5,651+56.3% |