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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 | $404,801 | $181,896+122.5% | $156,551+158.6% | $273,972+47.8% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 8.15% | 30.74%-22.6pp | 32.23%-24.1pp | 41.46%-33.3pp |
| Employer contribution / active EE | $34,613 | $6,248+454.0% | $5,501+529.2% | $4,869+610.9% |
| Participant deferral / active EE | $21,000 | $5,550+278.4% | $4,871+331.1% | $5,287+297.2% |
| Admin fee / account holder | $71,443 | $15,560+359.1% | $13,028+448.4% | $10,133+605.1% |