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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 | $305,303 | $75,541+304.2% | $152,093+100.7% | $82,637+269.4% |
| Participation rate | 92.0% | 66.5%+25.5pp | 77.8%+14.2pp | 68.1%+23.9pp |
| Annual return | 19.67% | 32.56%-12.9pp | 66.36%-46.7pp | 53.51%-33.8pp |
| Employer contribution / active EE | $4,654 | $2,622+77.5% | $4,175+11.5% | $2,552+82.3% |
| Participant deferral / active EE | $13,396 | $3,206+317.9% | $5,451+145.7% | $4,126+224.7% |
| Admin fee / account holder | $6,777 | $6,405+5.8% | $14,497-53.2% | $7,339-7.6% |