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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 | $689,010 | $117,895+484.4% | $102,460+572.5% | $145,897+372.3% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 12.64% | 31.92%-19.3pp | 29.47%-16.8pp | 552.29%-539.7pp |
| Employer contribution / active EE | $11,569 | $3,619+219.7% | $3,025+282.4% | $4,663+148.1% |
| Participant deferral / active EE | $12,607 | $5,736+119.8% | $5,056+149.3% | $6,689+88.5% |
| Admin fee / account holder | $1,074 | $13,353-92.0% | $9,460-88.7% | $13,390-92.0% |