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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 | $280,540 | $73,787+280.2% | $98,716+184.2% | $82,448+240.3% |
| Participation rate | 82.1% | 61.4%+20.7pp | 69.3%+12.8pp | 68.1%+14.1pp |
| Annual return | 15.74% | 18.57%-2.8pp | 31.81%-16.1pp | 41.64%-25.9pp |
| Employer contribution / active EE | $7,143 | $1,511+372.7% | $2,279+213.5% | $2,551+180.0% |
| Participant deferral / active EE | $1,325 | $3,081-57.0% | $4,048-67.3% | $4,139-68.0% |
| Admin fee / account holder | $8,342 | $6,500+28.3% | $8,703-4.1% | $7,234+15.3% |