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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 | $635,722 | $185,312+243.1% | $161,489+293.7% | $154,746+310.8% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 17.50% | 103.84%-86.3pp | 89.72%-72.2pp | 172.34%-154.8pp |
| Employer contribution / active EE | $16,021 | $4,769+235.9% | $4,268+275.3% | $4,379+265.9% |
| Participant deferral / active EE | $9,445 | $6,350+48.7% | $5,630+67.8% | $6,730+40.3% |
| Admin fee / account holder | $31,289 | $18,654+67.7% | $16,006+95.5% | $14,365+117.8% |