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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 | $576,847 | $112,729+411.7% | $98,716+484.4% | $137,256+320.3% |
| Participation rate | 83.3% | 74.2%+9.1pp | 69.3%+14.0pp | 80.0%+3.4pp |
| Annual return | 13.12% | 38.48%-25.4pp | 31.81%-18.7pp | 220.34%-207.2pp |
| Employer contribution / active EE | $2,889 | $2,725+6.0% | $2,279+26.8% | $4,156-30.5% |
| Participant deferral / active EE | $12,650 | $4,640+172.6% | $4,048+212.5% | $6,407+97.4% |
| Admin fee / account holder | $4,779 | $10,129-52.8% | $8,703-45.1% | $12,270-61.1% |