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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 | $367,808 | $184,014+99.9% | $161,149+128.2% | $138,895+164.8% |
| Participation rate | 87.5% | 82.1%+5.4pp | 78.8%+8.7pp | 79.9%+7.6pp |
| Annual return | 17.22% | 21.52%-4.3pp | 21.16%-3.9pp | 145.39%-128.2pp |
| Employer contribution / active EE | $15,122 | $5,055+199.1% | $4,360+246.8% | $4,194+260.5% |
| Participant deferral / active EE | $10,788 | $6,909+56.1% | $6,153+75.3% | $6,396+68.7% |
| Admin fee / account holder | $9,214 | $18,027-48.9% | $15,194-39.4% | $12,562-26.7% |