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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 | $328,301 | $102,245+221.1% | $89,340+267.5% | $137,256+139.2% |
| Participation rate | 100.0% | 74.9%+25.1pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 14.29% | 21.89%-7.6pp | 20.57%-6.3pp | 220.34%-206.0pp |
| Employer contribution / active EE | $5,319 | $2,529+110.3% | $2,231+138.4% | $4,156+28.0% |
| Participant deferral / active EE | $15,337 | $4,436+245.7% | $3,823+301.2% | $6,407+139.4% |
| Admin fee / account holder | $1,732 | $8,085-78.6% | $6,704-74.2% | $12,270-85.9% |