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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 | $293,172 | $184,014+59.3% | $161,149+81.9% | $138,895+111.1% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 16.10% | 21.52%-5.4pp | 21.16%-5.1pp | 145.39%-129.3pp |
| Employer contribution / active EE | $2,027 | $5,055-59.9% | $4,360-53.5% | $4,194-51.7% |
| Participant deferral / active EE | $3,074 | $6,909-55.5% | $6,153-50.0% | $6,396-51.9% |
| Admin fee / account holder | $730 | $18,027-96.0% | $15,194-95.2% | $12,562-94.2% |