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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 | $295,936 | $126,661+133.6% | $113,397+161.0% | $138,895+113.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 13.60% | 25.05%-11.5pp | 23.20%-9.6pp | 145.39%-131.8pp |
| Employer contribution / active EE | $9,420 | $3,456+172.6% | $2,977+216.4% | $4,194+124.6% |
| Participant deferral / active EE | $10,281 | $5,693+80.6% | $5,076+102.5% | $6,396+60.7% |
| Admin fee / account holder | $2,231 | $14,549-84.7% | $11,957-81.3% | $12,562-82.2% |