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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 | $749,219 | $155,555+381.6% | $146,866+410.1% | $155,188+382.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 14.78% | 115.41%-100.6pp | 102.85%-88.1pp | 148.84%-134.1pp |
| Employer contribution / active EE | $28,758 | $4,647+518.9% | $4,425+549.9% | $4,248+577.0% |
| Participant deferral / active EE | $21,125 | $8,044+162.6% | $7,759+172.3% | $6,531+223.4% |
| Admin fee / account holder | $6,054 | $14,755-59.0% | $13,620-55.6% | $14,480-58.2% |