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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 | $575,917 | $107,666+434.9% | $102,184+463.6% | $154,746+272.2% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 20.08% | 29.33%-9.2pp | 31.58%-11.5pp | 172.34%-152.3pp |
| Employer contribution / active EE | $19,665 | $3,846+411.3% | $3,594+447.2% | $4,379+349.1% |
| Participant deferral / active EE | $11,324 | $8,719+29.9% | $8,309+36.3% | $6,730+68.3% |
| Admin fee / account holder | $485 | $12,943-96.3% | $11,609-95.8% | $14,365-96.6% |