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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 | $956,410 | $172,111+455.7% | $150,298+536.3% | $137,256+596.8% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 25.58% | 69.37%-43.8pp | 62.79%-37.2pp | 220.34%-194.8pp |
| Employer contribution / active EE | $41,167 | $4,636+787.9% | $4,154+891.0% | $4,156+890.5% |
| Participant deferral / active EE | $26,000 | $6,166+321.7% | $5,453+376.8% | $6,407+305.8% |
| Admin fee / account holder | $4,040 | $16,471-75.5% | $14,116-71.4% | $12,270-67.1% |