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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 | $820,450 | $154,228+432.0% | $145,433+464.1% | $137,256+497.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 15.35% | 74.59%-59.2pp | 66.58%-51.2pp | 220.34%-205.0pp |
| Employer contribution / active EE | $23,070 | $4,804+380.2% | $4,554+406.5% | $4,156+455.1% |
| Participant deferral / active EE | $10,810 | $8,216+31.6% | $7,897+36.9% | $6,407+68.7% |
| Admin fee / account holder | $3,572 | $14,344-75.1% | $13,129-72.8% | $12,270-70.9% |