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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 | $302,538 | $100,970+199.6% | $96,576+213.3% | $137,256+120.4% |
| Participation rate | 80.0% | 82.6%-2.6pp | 81.4%-1.4pp | 80.0%0pp |
| Annual return | 20.08% | 38.16%-18.1pp | 38.47%-18.4pp | 220.34%-200.3pp |
| Employer contribution / active EE | $14,048 | $3,809+268.8% | $3,553+295.4% | $4,156+238.0% |
| Participant deferral / active EE | $3,269 | $8,286-60.5% | $7,956-58.9% | $6,407-49.0% |
| Admin fee / account holder | $2,542 | $11,312-77.5% | $11,381-77.7% | $12,270-79.3% |