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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 | $679,310 | $183,592+270.0% | $155,574+336.6% | $145,877+365.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 16.89% | 61.37%-44.5pp | 64.87%-48.0pp | 551.28%-534.4pp |
| Employer contribution / active EE | $32,546 | $5,317+512.1% | $4,676+596.1% | $4,663+598.0% |
| Participant deferral / active EE | $13,480 | $6,466+108.5% | $5,629+139.5% | $6,691+101.5% |
| Admin fee / account holder | $14,874 | $19,316-23.0% | $15,914-6.5% | $13,402+11.0% |