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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 | $766,473 | $199,109+285.0% | $173,730+341.2% | $154,746+395.3% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 19.19% | 20.02%-0.8pp | 19.96%-0.8pp | 172.34%-153.1pp |
| Employer contribution / active EE | $28,032 | $5,311+427.8% | $4,577+512.4% | $4,379+540.1% |
| Participant deferral / active EE | $26,560 | $7,113+273.4% | $6,326+319.8% | $6,730+294.6% |
| Admin fee / account holder | $15,156 | $20,916-27.5% | $17,523-13.5% | $14,365+5.5% |