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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 | $448,525 | $178,174+151.7% | $156,181+187.2% | $137,256+226.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 13.84% | 84.19%-70.4pp | 64.87%-51.0pp | 220.34%-206.5pp |
| Employer contribution / active EE | $9,534 | $4,972+91.8% | $4,294+122.0% | $4,156+129.4% |
| Participant deferral / active EE | $16,830 | $6,888+144.3% | $6,132+174.4% | $6,407+162.7% |
| Admin fee / account holder | $1,989 | $17,404-88.6% | $14,586-86.4% | $12,270-83.8% |