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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 | $290,695 | $138,312+110.2% | $122,979+136.4% | $155,188+87.3% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 17.41% | 22.06%-4.7pp | 20.12%-2.7pp | 148.84%-131.4pp |
| Employer contribution / active EE | $2,067 | $3,530-41.5% | $3,062-32.5% | $4,248-51.3% |
| Participant deferral / active EE | $7,356 | $5,592+31.5% | $5,003+47.0% | $6,531+12.6% |
| Admin fee / account holder | $25,114 | $15,089+66.4% | $12,864+95.2% | $14,480+73.4% |