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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 | $612,662 | $172,111+256.0% | $150,298+307.6% | $137,256+346.4% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 14.02% | 69.37%-55.4pp | 62.79%-48.8pp | 220.34%-206.3pp |
| Employer contribution / active EE | $11,976 | $4,636+158.3% | $4,154+188.3% | $4,156+188.2% |
| Participant deferral / active EE | $8,720 | $6,166+41.4% | $5,453+59.9% | $6,407+36.1% |
| Admin fee / account holder | $3,153 | $16,471-80.9% | $14,116-77.7% | $12,270-74.3% |