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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 | $941,308 | $212,386+343.2% | $199,883+370.9% | $138,895+577.7% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 16.94% | 47.75%-30.8pp | 43.81%-26.9pp | 145.39%-128.5pp |
| Employer contribution / active EE | $39,333 | $6,625+493.7% | $6,261+528.2% | $4,194+837.8% |
| Participant deferral / active EE | $18,167 | $9,617+88.9% | $9,138+98.8% | $6,396+184.0% |
| Admin fee / account holder | $1,346 | $18,233-92.6% | $17,268-92.2% | $12,562-89.3% |