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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 | $1,136,493 | $174,379+551.7% | $152,093+647.2% | $138,895+718.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 14.51% | 74.86%-60.3pp | 66.36%-51.8pp | 145.39%-130.9pp |
| Employer contribution / active EE | $49,688 | $4,652+968.1% | $4,175+1090.2% | $4,194+1084.7% |
| Participant deferral / active EE | $26,888 | $6,159+336.5% | $5,451+393.2% | $6,396+320.4% |
| Admin fee / account holder | $8,104 | $16,880-52.0% | $14,497-44.1% | $12,562-35.5% |