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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 | $267,262 | $108,882+145.5% | $96,754+176.2% | $154,746+72.7% |
| Participation rate | 93.3% | 75.1%+18.3pp | 70.3%+23.1pp | 80.7%+12.6pp |
| Annual return | 17.20% | 98.39%-81.2pp | 82.04%-64.8pp | 172.34%-155.1pp |
| Employer contribution / active EE | $1,635 | $3,018-45.8% | $2,679-39.0% | $4,379-62.7% |
| Participant deferral / active EE | $10,895 | $5,323+104.7% | $4,758+129.0% | $6,730+61.9% |
| Admin fee / account holder | $11,527 | $10,200+13.0% | $8,905+29.5% | $14,365-19.8% |