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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 | $805,955 | $227,399+254.4% | $189,758+324.7% | $198,609+305.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 20.35% | 61.03%-40.7pp | 52.62%-32.3pp | 202.70%-182.3pp |
| Employer contribution / active EE | $12,691 | $5,526+129.7% | $4,767+166.3% | $5,055+151.0% |
| Participant deferral / active EE | $13,812 | $6,837+102.0% | $5,856+135.9% | $6,977+98.0% |
| Admin fee / account holder | $1,992 | $25,162-92.1% | $20,388-90.2% | $19,030-89.5% |