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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 | $263,330 | $153,311+71.8% | $109,313+140.9% | $273,972-3.9% |
| Participation rate | 87.5% | 80.1%+7.4pp | 71.3%+16.2pp | 83.0%+4.5pp |
| Annual return | 9.97% | 29.86%-19.9pp | 22.07%-12.1pp | 41.46%-31.5pp |
| Employer contribution / active EE | $11,133 | $5,619+98.1% | $3,892+186.0% | $4,869+128.7% |
| Participant deferral / active EE | $9,747 | $3,932+147.9% | $3,166+207.8% | $5,287+84.4% |
| Admin fee / account holder | $312 | $8,076-96.1% | $5,666-94.5% | $10,133-96.9% |