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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 | $763,463 | $155,555+390.8% | $146,866+419.8% | $155,188+392.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 15.35% | 115.41%-100.1pp | 102.85%-87.5pp | 148.84%-133.5pp |
| Employer contribution / active EE | $11,498 | $4,647+147.4% | $4,425+159.8% | $4,248+170.7% |
| Participant deferral / active EE | $15,525 | $8,044+93.0% | $7,759+100.1% | $6,531+137.7% |
| Admin fee / account holder | $5,754 | $14,755-61.0% | $13,620-57.8% | $14,480-60.3% |