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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 | $185,312+416.1% | $161,489+492.2% | $154,746+518.1% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 25.58% | 103.84%-78.3pp | 89.72%-64.1pp | 172.34%-146.8pp |
| Employer contribution / active EE | $41,167 | $4,769+763.2% | $4,268+864.5% | $4,379+840.1% |
| Participant deferral / active EE | $26,000 | $6,350+309.5% | $5,630+361.8% | $6,730+286.3% |
| Admin fee / account holder | $4,040 | $18,654-78.3% | $16,006-74.8% | $14,365-71.9% |