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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 | $1,081,446 | $183,592+489.0% | $155,574+595.1% | $145,877+641.3% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 16.80% | 61.37%-44.6pp | 64.87%-48.1pp | 551.28%-534.5pp |
| Employer contribution / active EE | $10,987 | $5,317+106.6% | $4,676+135.0% | $4,663+135.6% |
| Participant deferral / active EE | $14,228 | $6,466+120.0% | $5,629+152.7% | $6,691+112.7% |
| Admin fee / account holder | $3,810 | $19,316-80.3% | $15,914-76.1% | $13,402-71.6% |