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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 | $401,257 | $201,344+99.3% | $184,243+117.8% | $145,877+175.1% |
| Participation rate | 83.3% | 87.5%-4.2pp | 86.8%-3.5pp | 80.3%+3.0pp |
| Annual return | 14.86% | 29.01%-14.1pp | 28.82%-14.0pp | 551.28%-536.4pp |
| Employer contribution / active EE | $2,840 | $7,022-59.6% | $6,427-55.8% | $4,663-39.1% |
| Participant deferral / active EE | $11,426 | $9,807+16.5% | $9,132+25.1% | $6,691+70.8% |
| Admin fee / account holder | $6,227 | $16,382-62.0% | $13,914-55.2% | $13,402-53.5% |