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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 | $488,490 | $154,228+216.7% | $145,433+235.9% | $137,256+255.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 16.25% | 74.59%-58.3pp | 66.58%-50.3pp | 220.34%-204.1pp |
| Employer contribution / active EE | $16,623 | $4,804+246.0% | $4,554+265.0% | $4,156+300.0% |
| Participant deferral / active EE | $19,120 | $8,216+132.7% | $7,897+142.1% | $6,407+198.4% |
| Admin fee / account holder | $5,520 | $14,344-61.5% | $13,129-58.0% | $12,270-55.0% |