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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 | $269,009 | $118,454+127.1% | $98,441+173.3% | $139,427+92.9% |
| Participation rate | 85.7% | 77.5%+8.3pp | 75.2%+10.5pp | 80.3%+5.4pp |
| Annual return | 13.02% | 18.94%-5.9pp | 21.16%-8.1pp | 373.27%-360.2pp |
| Employer contribution / active EE | $10,315 | $3,610+185.8% | $3,048+238.4% | $4,752+117.1% |
| Participant deferral / active EE | $12,788 | $5,392+137.2% | $4,738+169.9% | $6,711+90.6% |
| Admin fee / account holder | $35,877 | $14,053+155.3% | $8,960+300.4% | $11,404+214.6% |