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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 | $765,998 | $111,535+586.8% | $105,223+628.0% | $137,256+458.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 19.65% | 237.85%-218.2pp | 180.65%-161.0pp | 220.34%-200.7pp |
| Employer contribution / active EE | $33,230 | $3,939+743.5% | $3,689+800.9% | $4,156+699.6% |
| Participant deferral / active EE | $23,404 | $5,500+325.5% | $5,072+361.5% | $6,407+265.3% |
| Admin fee / account holder | $3,851 | $9,721-60.4% | $8,859-56.5% | $12,270-68.6% |