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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 | $269,584 | $181,896+48.2% | $156,551+72.2% | $273,972-1.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 6.97% | 30.74%-23.8pp | 32.23%-25.3pp | 41.46%-34.5pp |
| Employer contribution / active EE | $15,197 | $6,248+143.2% | $5,501+176.2% | $4,869+212.1% |
| Participant deferral / active EE | $8,165 | $5,550+47.1% | $4,871+67.6% | $5,287+54.4% |
| Admin fee / account holder | $2,196 | $15,560-85.9% | $13,028-83.1% | $10,133-78.3% |