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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 | $123,155+113.2% | $108,753+141.5% | $155,188+69.2% |
| Participation rate | 77.8% | 75.6%+2.1pp | 71.1%+6.7pp | 80.8%-3.0pp |
| Annual return | 14.29% | 44.73%-30.4pp | 37.47%-23.2pp | 148.84%-134.5pp |
| Employer contribution / active EE | $3,069 | $2,811+9.2% | $2,427+26.5% | $4,248-27.8% |
| Participant deferral / active EE | $9,184 | $4,623+98.6% | $4,115+123.2% | $6,531+40.6% |
| Admin fee / account holder | $2,552 | $12,126-79.0% | $10,320-75.3% | $14,480-82.4% |