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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 | $509,657 | $110,307+362.0% | $96,576+427.7% | $139,456+265.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 20.18% | 26.40%-6.2pp | 25.87%-5.7pp | 373.45%-353.3pp |
| Employer contribution / active EE | $28,353 | $3,619+683.4% | $2,965+856.3% | $4,753+496.6% |
| Participant deferral / active EE | $18,081 | $5,547+225.9% | $4,851+272.7% | $6,711+169.4% |
| Admin fee / account holder | $3,113 | $11,597-73.2% | $8,253-62.3% | $11,407-72.7% |