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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 | $1,798,263 | $102,609+1652.5% | $98,090+1733.3% | $138,895+1194.7% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 16.68% | 36.44%-19.8pp | 37.05%-20.4pp | 145.39%-128.7pp |
| Employer contribution / active EE | $2,181 | $3,867-43.6% | $3,606-39.5% | $4,194-48.0% |
| Participant deferral / active EE | $8,714 | $8,167+6.7% | $7,845+11.1% | $6,396+36.2% |
| Admin fee / account holder | $66,284 | $11,434+479.7% | $11,815+461.0% | $12,562+427.6% |