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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 | $564,697 | $209,422+169.6% | $178,503+216.4% | $158,982+255.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 13.04% | 188.81%-175.8pp | 151.12%-138.1pp | 302.99%-290.0pp |
| Employer contribution / active EE | $6,717 | $5,707+17.7% | $5,011+34.0% | $4,763+41.0% |
| Participant deferral / active EE | $9,452 | $5,955+58.7% | $5,202+81.7% | $5,983+58.0% |
| Admin fee / account holder | $2,375 | $17,079-86.1% | $13,987-83.0% | $11,252-78.9% |