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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 | $1,411,428 | $107,666+1210.9% | $102,184+1281.3% | $154,746+812.1% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 16.76% | 29.33%-12.6pp | 31.58%-14.8pp | 172.34%-155.6pp |
| Employer contribution / active EE | $4,136 | $3,846+7.5% | $3,594+15.1% | $4,379-5.6% |
| Participant deferral / active EE | $20,392 | $8,719+133.9% | $8,309+145.4% | $6,730+203.0% |
| Admin fee / account holder | $95,872 | $12,943+640.7% | $11,609+725.9% | $14,365+567.4% |