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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 | $979,528 | $99,921+880.3% | $85,009+1052.3% | $145,959+571.1% |
| Participation rate | 80.0% | 74.1%+5.9pp | 67.5%+12.5pp | 80.3%-0.3pp |
| Annual return | 12.87% | 83.89%-71.0pp | 66.47%-53.6pp | 561.95%-549.1pp |
| Employer contribution / active EE | $5,516 | $3,233+70.6% | $2,728+102.2% | $4,661+18.3% |
| Participant deferral / active EE | $18,942 | $5,293+257.9% | $4,522+318.9% | $6,689+183.2% |
| Admin fee / account holder | $4,448 | $7,252-38.7% | $6,153-27.7% | $13,398-66.8% |