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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 | $512,646 | $217,432+135.8% | $185,851+175.8% | $167,553+206.0% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.77% | 148.43%-133.7pp | 122.11%-107.3pp | 478.89%-464.1pp |
| Employer contribution / active EE | $5,333 | $5,874-9.2% | $5,168+3.2% | $4,840+10.2% |
| Participant deferral / active EE | $9,283 | $6,357+46.0% | $5,569+66.7% | $6,343+46.4% |
| Admin fee / account holder | $4,595 | $19,820-76.8% | $16,245-71.7% | $12,316-62.7% |