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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 | $902,370 | $254,759+254.2% | $216,567+316.7% | $198,609+354.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 81.6%+18.4pp | 82.4%+17.6pp |
| Annual return | 19.60% | 10.04%+9.6pp | 12.94%+6.7pp | 202.70%-183.1pp |
| Employer contribution / active EE | $7,390 | $6,096+21.2% | $5,216+41.7% | $5,055+46.2% |
| Participant deferral / active EE | $21,917 | $6,948+215.4% | $6,191+254.0% | $6,977+214.1% |
| Admin fee / account holder | $97,043 | $26,311+268.8% | $21,981+341.5% | $19,030+409.9% |