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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 | $74,535+276.4% | $100,712+178.6% | $82,637+239.5% |
| Participation rate | 82.1% | 61.2%+21.0pp | 69.3%+12.9pp | 68.1%+14.1pp |
| Annual return | 15.74% | 18.92%-3.2pp | 33.27%-17.5pp | 53.51%-37.8pp |
| Employer contribution / active EE | $7,143 | $1,503+375.4% | $2,313+208.9% | $2,552+179.9% |
| Participant deferral / active EE | $1,325 | $3,074-56.9% | $4,085-67.6% | $4,126-67.9% |
| Admin fee / account holder | $8,342 | $6,576+26.9% | $9,256-9.9% | $7,339+13.7% |