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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 | $685,598 | $174,379+293.2% | $152,093+350.8% | $138,895+393.6% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 18.62% | 74.86%-56.2pp | 66.36%-47.7pp | 145.39%-126.8pp |
| Employer contribution / active EE | $39,190 | $4,652+742.5% | $4,175+838.7% | $4,194+834.4% |
| Participant deferral / active EE | $15,667 | $6,159+154.4% | $5,451+187.4% | $6,396+144.9% |
| Admin fee / account holder | $2,683 | $16,880-84.1% | $14,497-81.5% | $12,562-78.6% |