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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 | $262,290 | $100,139+161.9% | $85,187+207.9% | $145,884+79.8% |
| Participation rate | 89.5% | 74.1%+15.4pp | 67.5%+22.0pp | 80.3%+9.2pp |
| Annual return | 22.75% | 84.15%-61.4pp | 66.67%-43.9pp | 551.85%-529.1pp |
| Employer contribution / active EE | $1,596 | $3,238-50.7% | $2,732-41.6% | $4,662-65.8% |
| Participant deferral / active EE | $13,029 | $5,296+146.0% | $4,525+187.9% | $6,690+94.8% |
| Admin fee / account holder | $2,365 | $7,262-67.4% | $6,162-61.6% | $13,392-82.3% |