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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 | $106,974+163.2% | $90,796+210.0% | $138,895+102.7% |
| Participation rate | 100.0% | 74.9%+25.1pp | 69.5%+30.5pp | 79.9%+20.1pp |
| Annual return | 14.01% | 20.10%-6.1pp | 19.29%-5.3pp | 145.39%-131.4pp |
| Employer contribution / active EE | $13,316 | $2,609+410.4% | $2,294+480.5% | $4,194+217.5% |
| Participant deferral / active EE | $4,275 | $4,455-4.0% | $3,822+11.9% | $6,396-33.2% |
| Admin fee / account holder | $16,908 | $8,626+96.0% | $7,024+140.7% | $12,562+34.6% |