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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 | $76,834+265.1% | $108,359+158.9% | $87,485+220.7% |
| Participation rate | 82.1% | 61.7%+20.4pp | 70.1%+12.0pp | 68.9%+13.2pp |
| Annual return | 15.74% | 19.09%-3.4pp | 36.89%-21.2pp | 26.06%-10.3pp |
| Employer contribution / active EE | $7,143 | $1,556+358.9% | $2,399+197.7% | $2,596+175.1% |
| Participant deferral / active EE | $1,325 | $3,100-57.3% | $4,137-68.0% | $4,274-69.0% |
| Admin fee / account holder | $8,342 | $6,537+27.6% | $9,741-14.4% | $7,775+7.3% |