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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 | $174,379+362.2% | $152,093+429.9% | $138,895+480.3% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 20.35% | 74.86%-54.5pp | 66.36%-46.0pp | 145.39%-125.0pp |
| Employer contribution / active EE | $12,691 | $4,652+172.8% | $4,175+204.0% | $4,194+202.6% |
| Participant deferral / active EE | $13,812 | $6,159+124.2% | $5,451+153.4% | $6,396+115.9% |
| Admin fee / account holder | $1,992 | $16,880-88.2% | $14,497-86.3% | $12,562-84.1% |