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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 | $256,128 | $110,212+132.4% | $96,534+165.3% | $139,466+83.6% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 14.30% | 26.42%-12.1pp | 25.88%-11.6pp | 373.66%-359.4pp |
| Employer contribution / active EE | $2,287 | $3,620-36.8% | $2,965-22.9% | $4,754-51.9% |
| Participant deferral / active EE | $7,061 | $5,547+27.3% | $4,851+45.6% | $6,712+5.2% |
| Admin fee / account holder | $3,119 | $11,599-73.1% | $8,253-62.2% | $11,409-72.7% |