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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 | $885,035 | $102,609+762.5% | $98,090+802.3% | $138,895+537.2% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 17.21% | 36.44%-19.2pp | 37.05%-19.8pp | 145.39%-128.2pp |
| Employer contribution / active EE | $23,897 | $3,867+517.9% | $3,606+562.6% | $4,194+469.8% |
| Participant deferral / active EE | $23,628 | $8,167+189.3% | $7,845+201.2% | $6,396+269.4% |
| Admin fee / account holder | $88,197 | $11,434+671.4% | $11,815+646.5% | $12,562+602.1% |