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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 | $505,697 | $155,555+225.1% | $146,866+244.3% | $155,188+225.9% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.5%-2.5pp | 80.8%-0.8pp |
| Annual return | 18.18% | 115.41%-97.2pp | 102.85%-84.7pp | 148.84%-130.7pp |
| Employer contribution / active EE | $11,031 | $4,647+137.4% | $4,425+149.3% | $4,248+159.7% |
| Participant deferral / active EE | $16,258 | $8,044+102.1% | $7,759+109.5% | $6,531+148.9% |
| Admin fee / account holder | $31,861 | $14,755+115.9% | $13,620+133.9% | $14,480+120.0% |