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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 | $340,080 | $156,398+117.4% | $147,318+130.8% | $138,895+144.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 15.00% | 78.75%-63.8pp | 70.43%-55.4pp | 145.39%-130.4pp |
| Employer contribution / active EE | $2,956 | $4,853-39.1% | $4,593-35.6% | $4,194-29.5% |
| Participant deferral / active EE | $11,744 | $8,237+42.6% | $7,906+48.5% | $6,396+83.6% |
| Admin fee / account holder | $1,340 | $14,976-91.1% | $13,708-90.2% | $12,562-89.3% |