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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 | $369,795 | $181,896+103.3% | $156,551+136.2% | $273,972+35.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 6.48% | 30.74%-24.3pp | 32.23%-25.7pp | 41.46%-35.0pp |
| Employer contribution / active EE | $14,480 | $6,248+131.7% | $5,501+163.2% | $4,869+197.4% |
| Participant deferral / active EE | $12,140 | $5,550+118.7% | $4,871+149.2% | $5,287+129.6% |
| Admin fee / account holder | $4,820 | $15,560-69.0% | $13,028-63.0% | $10,133-52.4% |