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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 | $632,339 | $114,119+454.1% | $107,187+489.9% | $138,895+355.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 12.65% | 273.21%-260.6pp | 204.55%-191.9pp | 145.39%-132.7pp |
| Employer contribution / active EE | $23,684 | $4,059+483.5% | $3,782+526.2% | $4,194+464.7% |
| Participant deferral / active EE | $22,441 | $5,538+305.2% | $5,096+340.4% | $6,396+250.8% |
| Admin fee / account holder | $8,807 | $10,024-12.1% | $9,162-3.9% | $12,562-29.9% |