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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 | $138,312+114.0% | $122,979+140.6% | $155,188+90.7% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 13.60% | 22.06%-8.5pp | 20.12%-6.5pp | 148.84%-135.2pp |
| Employer contribution / active EE | $9,420 | $3,530+166.8% | $3,062+207.6% | $4,248+121.8% |
| Participant deferral / active EE | $10,281 | $5,592+83.8% | $5,003+105.5% | $6,531+57.4% |
| Admin fee / account holder | $2,231 | $15,089-85.2% | $12,864-82.7% | $14,480-84.6% |