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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 | $301,500 | $142,426+111.7% | $115,167+161.8% | $152,909+97.2% |
| Participation rate | 75.0% | 82.4%-7.4pp | 75.9%-0.9pp | 82.5%-7.5pp |
| Annual return | 24.35% | 41.48%-17.1pp | 35.60%-11.3pp | 345.46%-321.1pp |
| Employer contribution / active EE | $10,097 | $4,011+151.8% | $3,179+217.6% | $4,764+112.0% |
| Participant deferral / active EE | $10,275 | $5,165+99.0% | $4,169+146.5% | $5,851+75.6% |
| Admin fee / account holder | $3,001 | $8,464-64.5% | $7,089-57.7% | $11,601-74.1% |