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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 | $1,342,335 | $148,629+803.1% | $135,982+887.1% | $139,487+862.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 19.17% | 79.33%-60.2pp | 68.32%-49.2pp | 373.84%-354.7pp |
| Employer contribution / active EE | $20,625 | $5,247+293.1% | $4,859+324.5% | $4,755+333.8% |
| Participant deferral / active EE | $17,250 | $8,102+112.9% | $7,760+122.3% | $6,713+157.0% |
| Admin fee / account holder | $4,650 | $12,406-62.5% | $10,767-56.8% | $11,407-59.2% |