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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 | $283,894 | $114,013+149.0% | $103,693+173.8% | $155,188+82.9% |
| Participation rate | 87.5% | 75.2%+12.3pp | 72.6%+14.9pp | 80.8%+6.7pp |
| Annual return | 12.87% | 49.31%-36.4pp | 47.61%-34.7pp | 148.84%-136.0pp |
| Employer contribution / active EE | $2,835 | $3,131-9.5% | $2,920-2.9% | $4,248-33.3% |
| Participant deferral / active EE | $10,726 | $4,970+115.8% | $4,579+134.2% | $6,531+64.2% |
| Admin fee / account holder | $3,379 | $8,407-59.8% | $7,858-57.0% | $14,480-76.7% |