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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 | $1,346,160 | $134,817+898.5% | $123,973+985.8% | $155,188+767.4% |
| Participation rate | 75.0% | 79.4%-4.4pp | 76.7%-1.7pp | 80.8%-5.8pp |
| Annual return | 15.05% | 515.49%-500.4pp | 388.13%-373.1pp | 148.84%-133.8pp |
| Employer contribution / active EE | $9,662 | $4,425+118.3% | $4,126+134.2% | $4,248+127.4% |
| Participant deferral / active EE | $23,250 | $5,706+307.4% | $5,247+343.1% | $6,531+256.0% |
| Admin fee / account holder | $7,691 | $13,245-41.9% | $11,799-34.8% | $14,480-46.9% |