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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 | $903,165 | $185,312+387.4% | $161,489+459.3% | $154,746+483.6% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 39.33% | 103.84%-64.5pp | 89.72%-50.4pp | 172.34%-133.0pp |
| Employer contribution / active EE | $14,641 | $4,769+207.0% | $4,268+243.0% | $4,379+234.3% |
| Participant deferral / active EE | $6,300 | $6,350-0.8% | $5,630+11.9% | $6,730-6.4% |
| Admin fee / account holder | $204,141 | $18,654+994.3% | $16,006+1175.4% | $14,365+1321.1% |