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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 | $768,946 | $181,062+324.7% | $158,223+386.0% | $155,188+395.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 13.04% | 57.39%-44.3pp | 52.09%-39.1pp | 148.84%-135.8pp |
| Employer contribution / active EE | $1,775 | $4,565-61.1% | $4,109-56.8% | $4,248-58.2% |
| Participant deferral / active EE | $12,780 | $6,134+108.3% | $5,467+133.8% | $6,531+95.7% |
| Admin fee / account holder | $6,953 | $18,825-63.1% | $16,047-56.7% | $14,480-52.0% |