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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 | $785,684 | $103,164+661.6% | $90,259+770.5% | $154,746+407.7% |
| Participation rate | 100.0% | 76.1%+23.9pp | 70.7%+29.3pp | 80.7%+19.3pp |
| Annual return | 16.85% | 19.25%-2.4pp | 18.88%-2.0pp | 172.34%-155.5pp |
| Employer contribution / active EE | $11,794 | $2,532+365.9% | $2,291+414.7% | $4,379+169.3% |
| Participant deferral / active EE | $13,092 | $4,422+196.1% | $3,827+242.1% | $6,730+94.5% |
| Admin fee / account holder | $22,174 | $8,593+158.0% | $7,267+205.1% | $14,365+54.4% |