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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 | $535,834 | $154,228+247.4% | $145,433+268.4% | $137,256+290.4% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 19.53% | 74.59%-55.1pp | 66.58%-47.0pp | 220.34%-200.8pp |
| Employer contribution / active EE | $42,339 | $4,804+781.3% | $4,554+829.6% | $4,156+918.7% |
| Participant deferral / active EE | $45,750 | $8,216+456.8% | $7,897+479.3% | $6,407+614.1% |
| Admin fee / account holder | $4,458 | $14,344-68.9% | $13,129-66.0% | $12,270-63.7% |