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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 | $385,211 | $112,729+241.7% | $98,716+290.2% | $137,256+180.7% |
| Participation rate | 76.9% | 74.2%+2.7pp | 69.3%+7.6pp | 80.0%-3.0pp |
| Annual return | 16.30% | 38.48%-22.2pp | 31.81%-15.5pp | 220.34%-204.0pp |
| Employer contribution / active EE | $2,793 | $2,725+2.5% | $2,279+22.6% | $4,156-32.8% |
| Participant deferral / active EE | $9,314 | $4,640+100.7% | $4,048+130.1% | $6,407+45.4% |
| Admin fee / account holder | $2,234 | $10,129-77.9% | $8,703-74.3% | $12,270-81.8% |