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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 | $288,302 | $115,225+150.2% | $100,712+186.3% | $138,895+107.6% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 15.02% | 40.35%-25.3pp | 33.27%-18.2pp | 145.39%-130.4pp |
| Employer contribution / active EE | $1,221 | $2,771-56.0% | $2,313-47.2% | $4,194-70.9% |
| Participant deferral / active EE | $9,647 | $4,699+105.3% | $4,085+136.2% | $6,396+50.8% |
| Admin fee / account holder | $12,698 | $10,844+17.1% | $9,256+37.2% | $12,562+1.1% |