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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 | $414,670 | $167,415+147.7% | $140,514+195.1% | $198,609+108.8% |
| Participation rate | 75.0% | 80.9%-5.9pp | 77.8%-2.8pp | 82.4%-7.4pp |
| Annual return | 16.03% | 13.85%+2.2pp | 14.36%+1.7pp | 202.70%-186.7pp |
| Employer contribution / active EE | $7,364 | $4,088+80.1% | $3,378+118.0% | $5,055+45.7% |
| Participant deferral / active EE | $8,079 | $5,579+44.8% | $4,919+64.2% | $6,977+15.8% |
| Admin fee / account holder | $5,166 | $16,730-69.1% | $13,697-62.3% | $19,030-72.9% |