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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 | $500,916 | $154,228+224.8% | $145,433+244.4% | $137,256+265.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 13.61% | 74.59%-61.0pp | 66.58%-53.0pp | 220.34%-206.7pp |
| Employer contribution / active EE | $10,511 | $4,804+118.8% | $4,554+130.8% | $4,156+152.9% |
| Participant deferral / active EE | $11,641 | $8,216+41.7% | $7,897+47.4% | $6,407+81.7% |
| Admin fee / account holder | $6,628 | $14,344-53.8% | $13,129-49.5% | $12,270-46.0% |