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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 | $280,604 | $141,001+99.0% | $112,228+150.0% | $139,487+101.2% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 14.50% | 32.75%-18.3pp | 30.23%-15.7pp | 373.84%-359.3pp |
| Employer contribution / active EE | $4,077 | $4,285-4.9% | $3,432+18.8% | $4,755-14.3% |
| Participant deferral / active EE | $9,863 | $5,877+67.8% | $4,800+105.5% | $6,713+46.9% |
| Admin fee / account holder | $2,113 | $9,959-78.8% | $7,752-72.7% | $11,407-81.5% |