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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 | $290,232 | $117,829+146.3% | $102,423+183.4% | $145,877+99.0% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.60% | 31.83%-19.2pp | 29.42%-16.8pp | 551.28%-538.7pp |
| Employer contribution / active EE | $1,647 | $3,615-54.4% | $3,023-45.5% | $4,663-64.7% |
| Participant deferral / active EE | $3,558 | $5,732-37.9% | $5,054-29.6% | $6,691-46.8% |
| Admin fee / account holder | $1,204 | $13,335-91.0% | $9,455-87.3% | $13,402-91.0% |