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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 | $604,169 | $112,729+435.9% | $98,716+512.0% | $137,256+340.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 13.68% | 38.48%-24.8pp | 31.81%-18.1pp | 220.34%-206.7pp |
| Employer contribution / active EE | $9,940 | $2,725+264.7% | $2,279+336.3% | $4,156+139.2% |
| Participant deferral / active EE | $7,252 | $4,640+56.3% | $4,048+79.2% | $6,407+13.2% |
| Admin fee / account holder | $1,178 | $10,129-88.4% | $8,703-86.5% | $12,270-90.4% |