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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 | $758,312 | $177,595+327.0% | $148,496+410.7% | $198,609+281.8% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 16.11% | 9.97%+6.1pp | 12.33%+3.8pp | 202.70%-186.6pp |
| Employer contribution / active EE | $2,102 | $4,098-48.7% | $3,497-39.9% | $5,055-58.4% |
| Participant deferral / active EE | $15,840 | $5,539+186.0% | $4,808+229.4% | $6,977+127.0% |
| Admin fee / account holder | $48,876 | $27,010+81.0% | $19,547+150.0% | $19,030+156.8% |