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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 | $262,594 | $112,729+132.9% | $98,716+166.0% | $137,256+91.3% |
| Participation rate | 77.8% | 74.2%+3.6pp | 69.3%+8.5pp | 80.0%-2.2pp |
| Annual return | 14.29% | 38.48%-24.2pp | 31.81%-17.5pp | 220.34%-206.0pp |
| Employer contribution / active EE | $3,069 | $2,725+12.6% | $2,279+34.7% | $4,156-26.2% |
| Participant deferral / active EE | $9,184 | $4,640+97.9% | $4,048+126.9% | $6,407+43.3% |
| Admin fee / account holder | $2,552 | $10,129-74.8% | $8,703-70.7% | $12,270-79.2% |