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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 | $724,651 | $213,785+239.0% | $185,441+290.8% | $155,188+367.0% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 19.30% | 19.97%-0.7pp | 20.16%-0.9pp | 148.84%-129.5pp |
| Employer contribution / active EE | $11,892 | $5,393+120.5% | $4,672+154.5% | $4,248+180.0% |
| Participant deferral / active EE | $23,805 | $6,864+246.8% | $6,152+287.0% | $6,531+264.5% |
| Admin fee / account holder | $3,577 | $21,134-83.1% | $17,890-80.0% | $14,480-75.3% |