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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 | $522,495 | $209,336+149.6% | $197,124+165.1% | $137,256+280.7% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 24.43% | 48.09%-23.7pp | 44.34%-19.9pp | 220.34%-195.9pp |
| Employer contribution / active EE | $14,973 | $6,591+127.2% | $6,227+140.4% | $4,156+260.3% |
| Participant deferral / active EE | $25,705 | $9,614+167.4% | $9,135+181.4% | $6,407+301.2% |
| Admin fee / account holder | $5,615 | $17,308-67.6% | $16,298-65.5% | $12,270-54.2% |