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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 | $600,899 | $114,119+426.6% | $107,187+460.6% | $138,895+332.6% |
| Participation rate | 88.9% | 78.1%+10.8pp | 75.0%+13.9pp | 79.9%+9.0pp |
| Annual return | 11.39% | 273.21%-261.8pp | 204.55%-193.2pp | 145.39%-134.0pp |
| Employer contribution / active EE | $0 | $4,059-100.0% | $3,782-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $19,756 | $5,538+256.7% | $5,096+287.7% | $6,396+208.9% |
| Admin fee / account holder | $23,390 | $10,024+133.4% | $9,162+155.3% | $12,562+86.2% |