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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 | $181,062+278.7% | $158,223+333.3% | $155,188+341.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 18.62% | 57.39%-38.8pp | 52.09%-33.5pp | 148.84%-130.2pp |
| Employer contribution / active EE | $39,190 | $4,565+758.6% | $4,109+853.8% | $4,248+822.6% |
| Participant deferral / active EE | $15,667 | $6,134+155.4% | $5,467+186.6% | $6,531+139.9% |
| Admin fee / account holder | $2,683 | $18,825-85.7% | $16,047-83.3% | $14,480-81.5% |