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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 | $281,510 | $99,380+183.3% | $90,312+211.7% | $155,188+81.4% |
| Participation rate | 100.0% | 77.3%+22.7pp | 72.9%+27.1pp | 80.8%+19.2pp |
| Annual return | 14.01% | 19.35%-5.3pp | 18.90%-4.9pp | 148.84%-134.8pp |
| Employer contribution / active EE | $13,316 | $2,390+457.2% | $2,243+493.8% | $4,248+213.5% |
| Participant deferral / active EE | $4,275 | $4,212+1.5% | $3,749+14.0% | $6,531-34.5% |
| Admin fee / account holder | $16,908 | $9,766+73.1% | $8,248+105.0% | $14,480+16.8% |