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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 | $262,204 | $184,014+42.5% | $161,149+62.7% | $138,895+88.8% |
| Participation rate | 88.9% | 82.1%+6.8pp | 78.8%+10.1pp | 79.9%+9.0pp |
| Annual return | 19.02% | 21.52%-2.5pp | 21.16%-2.1pp | 145.39%-126.4pp |
| Employer contribution / active EE | $12,657 | $5,055+150.4% | $4,360+190.3% | $4,194+201.8% |
| Participant deferral / active EE | $6,579 | $6,909-4.8% | $6,153+6.9% | $6,396+2.9% |
| Admin fee / account holder | $1,999 | $18,027-88.9% | $15,194-86.8% | $12,562-84.1% |