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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 | $495,948 | $167,415+196.2% | $140,514+253.0% | $198,609+149.7% |
| Participation rate | 70.0% | 80.9%-10.9pp | 77.8%-7.8pp | 82.4%-12.4pp |
| Annual return | 15.94% | 13.85%+2.1pp | 14.36%+1.6pp | 202.70%-186.8pp |
| Employer contribution / active EE | $22,484 | $4,088+450.1% | $3,378+565.5% | $5,055+344.8% |
| Participant deferral / active EE | $16,602 | $5,579+197.6% | $4,919+237.5% | $6,977+138.0% |
| Admin fee / account holder | $3,031 | $16,730-81.9% | $13,697-77.9% | $19,030-84.1% |