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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 | $271,262 | $112,729+140.6% | $98,716+174.8% | $137,256+97.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 16.79% | 38.48%-21.7pp | 31.81%-15.0pp | 220.34%-203.6pp |
| Employer contribution / active EE | $2,241 | $2,725-17.8% | $2,279-1.7% | $4,156-46.1% |
| Participant deferral / active EE | $9,541 | $4,640+105.6% | $4,048+135.7% | $6,407+48.9% |
| Admin fee / account holder | $2,498 | $10,129-75.3% | $8,703-71.3% | $12,270-79.6% |