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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 | $279,939 | $100,970+177.3% | $96,576+189.9% | $137,256+104.0% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 13.06% | 38.16%-25.1pp | 38.47%-25.4pp | 220.34%-207.3pp |
| Employer contribution / active EE | $2,160 | $3,809-43.3% | $3,553-39.2% | $4,156-48.0% |
| Participant deferral / active EE | $14,133 | $8,286+70.6% | $7,956+77.6% | $6,407+120.6% |
| Admin fee / account holder | $50,750 | $11,312+348.6% | $11,381+345.9% | $12,270+313.6% |