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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 | $638,108 | $182,442+249.8% | $163,379+290.6% | $138,895+359.4% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 17.77% | 72.74%-55.0pp | 63.41%-45.6pp | 145.39%-127.6pp |
| Employer contribution / active EE | $8,598 | $4,159+106.7% | $3,752+129.1% | $4,194+105.0% |
| Participant deferral / active EE | $11,097 | $6,817+62.8% | $6,282+76.7% | $6,396+73.5% |
| Admin fee / account holder | $5,223 | $10,396-49.8% | $9,818-46.8% | $12,562-58.4% |