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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 | $350,812 | $110,410+217.7% | $102,437+242.5% | $145,897+140.5% |
| Participation rate | 90.9% | 77.9%+13.0pp | 74.5%+16.4pp | 80.3%+10.6pp |
| Annual return | 17.66% | 24.85%-7.2pp | 24.95%-7.3pp | 552.29%-534.6pp |
| Employer contribution / active EE | $9,011 | $4,217+113.7% | $3,871+132.8% | $4,663+93.3% |
| Participant deferral / active EE | $11,606 | $5,622+106.4% | $5,060+129.4% | $6,689+73.5% |
| Admin fee / account holder | $4,500 | $9,745-53.8% | $8,388-46.4% | $13,390-66.4% |