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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 | $387,217 | $174,379+122.1% | $152,093+154.6% | $138,895+178.8% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 17.95% | 74.86%-56.9pp | 66.36%-48.4pp | 145.39%-127.4pp |
| Employer contribution / active EE | $1,175 | $4,652-74.7% | $4,175-71.9% | $4,194-72.0% |
| Participant deferral / active EE | $4,767 | $6,159-22.6% | $5,451-12.6% | $6,396-25.5% |
| Admin fee / account holder | $381 | $16,880-97.7% | $14,497-97.4% | $12,562-97.0% |