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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 | $1,039,046 | $181,896+471.2% | $156,551+563.7% | $273,972+279.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 6.85% | 30.74%-23.9pp | 32.23%-25.4pp | 41.46%-34.6pp |
| Employer contribution / active EE | $46,667 | $6,248+646.9% | $5,501+748.3% | $4,869+858.5% |
| Participant deferral / active EE | $30,000 | $5,550+440.5% | $4,871+515.9% | $5,287+467.4% |
| Admin fee / account holder | $24,009 | $15,560+54.3% | $13,028+84.3% | $10,133+136.9% |