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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 | $293,024 | $112,729+159.9% | $98,716+196.8% | $137,256+113.5% |
| Participation rate | 86.7% | 74.2%+12.4pp | 69.3%+17.4pp | 80.0%+6.7pp |
| Annual return | 11.97% | 38.48%-26.5pp | 31.81%-19.8pp | 220.34%-208.4pp |
| Employer contribution / active EE | $8,493 | $2,725+211.6% | $2,279+272.7% | $4,156+104.4% |
| Participant deferral / active EE | $8,524 | $4,640+83.7% | $4,048+110.6% | $6,407+33.0% |
| Admin fee / account holder | $36,020 | $10,129+255.6% | $8,703+313.9% | $12,270+193.6% |