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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 | $424,382 | $153,769+176.0% | $133,975+216.8% | $273,972+54.9% |
| Participation rate | 91.7% | 88.4%+3.3pp | 87.1%+4.6pp | 83.0%+8.7pp |
| Annual return | 10.34% | 36.51%-26.2pp | 29.29%-19.0pp | 41.46%-31.1pp |
| Employer contribution / active EE | $21,932 | $6,029+263.8% | $5,211+320.9% | $4,869+350.5% |
| Participant deferral / active EE | $13,142 | $6,958+88.9% | $6,282+109.2% | $5,287+148.6% |
| Admin fee / account holder | $621 | $11,765-94.7% | $9,324-93.3% | $10,133-93.9% |