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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 | $533,647 | $209,405+154.8% | $178,486+199.0% | $158,931+235.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 12.31% | 188.77%-176.5pp | 151.08%-138.8pp | 302.86%-290.6pp |
| Employer contribution / active EE | $19,698 | $5,707+245.2% | $5,011+293.1% | $4,761+313.7% |
| Participant deferral / active EE | $17,305 | $5,954+190.6% | $5,202+232.7% | $5,982+189.3% |
| Admin fee / account holder | $1,906 | $17,076-88.8% | $13,985-86.4% | $11,247-83.1% |