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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 | $1,121,366 | $154,228+627.1% | $145,433+671.1% | $137,256+717.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 15.91% | 74.59%-58.7pp | 66.58%-50.7pp | 220.34%-204.4pp |
| Employer contribution / active EE | $46,257 | $4,804+862.9% | $4,554+915.6% | $4,156+1013.0% |
| Participant deferral / active EE | $33,018 | $8,216+301.8% | $7,897+318.1% | $6,407+415.4% |
| Admin fee / account holder | $3,025 | $14,344-78.9% | $13,129-77.0% | $12,270-75.3% |