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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 | $709,362 | $217,427+226.3% | $185,837+281.7% | $167,518+323.5% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.46% | 148.39%-136.9pp | 122.08%-110.6pp | 478.71%-467.3pp |
| Employer contribution / active EE | $7,179 | $5,874+22.2% | $5,168+38.9% | $4,838+48.4% |
| Participant deferral / active EE | $8,667 | $6,357+36.3% | $5,568+55.6% | $6,342+36.7% |
| Admin fee / account holder | $1,828 | $19,816-90.8% | $16,241-88.7% | $12,312-85.2% |