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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 | $990,149 | $181,062+446.9% | $158,223+525.8% | $155,188+538.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 13.42% | 57.39%-44.0pp | 52.09%-38.7pp | 148.84%-135.4pp |
| Employer contribution / active EE | $18,683 | $4,565+309.3% | $4,109+354.7% | $4,248+339.8% |
| Participant deferral / active EE | $17,227 | $6,134+180.8% | $5,467+215.1% | $6,531+163.8% |
| Admin fee / account holder | $6,333 | $18,825-66.4% | $16,047-60.5% | $14,480-56.3% |