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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 | $285,128 | $184,014+54.9% | $161,149+76.9% | $138,895+105.3% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 18.59% | 21.52%-2.9pp | 21.16%-2.6pp | 145.39%-126.8pp |
| Employer contribution / active EE | $6,440 | $5,055+27.4% | $4,360+47.7% | $4,194+53.5% |
| Participant deferral / active EE | $13,844 | $6,909+100.4% | $6,153+125.0% | $6,396+116.4% |
| Admin fee / account holder | $3,021 | $18,027-83.2% | $15,194-80.1% | $12,562-75.9% |