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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 | $287,658 | $111,535+157.9% | $105,223+173.4% | $137,256+109.6% |
| Participation rate | 82.4% | 78.1%+4.3pp | 75.0%+7.3pp | 80.0%+2.4pp |
| Annual return | 15.04% | 237.85%-222.8pp | 180.65%-165.6pp | 220.34%-205.3pp |
| Employer contribution / active EE | $2,289 | $3,939-41.9% | $3,689-37.9% | $4,156-44.9% |
| Participant deferral / active EE | $7,696 | $5,500+39.9% | $5,072+51.7% | $6,407+20.1% |
| Admin fee / account holder | $1,844 | $9,721-81.0% | $8,859-79.2% | $12,270-85.0% |