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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 | $337,611 | $138,312+144.1% | $122,979+174.5% | $155,188+117.5% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 19.77% | 22.06%-2.3pp | 20.12%-0.3pp | 148.84%-129.1pp |
| Employer contribution / active EE | $12,448 | $3,530+252.6% | $3,062+306.5% | $4,248+193.0% |
| Participant deferral / active EE | $17,139 | $5,592+206.5% | $5,003+242.6% | $6,531+162.4% |
| Admin fee / account holder | $2,444 | $15,089-83.8% | $12,864-81.0% | $14,480-83.1% |