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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 | $529,783 | $154,193+243.6% | $130,045+307.4% | $139,466+279.9% |
| Participation rate | 86.7% | 82.0%+4.7pp | 78.5%+8.2pp | 80.3%+6.3pp |
| Annual return | 17.00% | 32.51%-15.5pp | -137.30%+154.3pp | 373.66%-356.7pp |
| Employer contribution / active EE | $11,215 | $5,292+111.9% | $4,321+159.5% | $4,754+135.9% |
| Participant deferral / active EE | $7,730 | $6,709+15.2% | $5,820+32.8% | $6,712+15.2% |
| Admin fee / account holder | $19,373 | $13,989+38.5% | $10,600+82.8% | $11,409+69.8% |