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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 | $366,364 | $110,337+232.0% | $102,383+257.8% | $145,877+151.1% |
| Participation rate | 90.0% | 77.9%+12.1pp | 74.5%+15.5pp | 80.3%+9.7pp |
| Annual return | 18.60% | 24.83%-6.2pp | 24.94%-6.3pp | 551.28%-532.7pp |
| Employer contribution / active EE | $3,368 | $4,216-20.1% | $3,870-13.0% | $4,663-27.8% |
| Participant deferral / active EE | $11,312 | $5,621+101.3% | $5,060+123.6% | $6,691+69.1% |
| Admin fee / account holder | $2,917 | $9,750-70.1% | $8,391-65.2% | $13,402-78.2% |