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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 | $786,451 | $201,264+290.8% | $184,185+327.0% | $145,978+438.7% |
| Participation rate | 95.5% | 87.5%+8.0pp | 86.8%+8.6pp | 80.3%+15.2pp |
| Annual return | 51.88% | 29.00%+22.9pp | 28.81%+23.1pp | 550.52%-498.6pp |
| Employer contribution / active EE | $22,882 | $7,021+225.9% | $6,426+256.1% | $4,662+390.8% |
| Participant deferral / active EE | $19,175 | $9,806+95.5% | $9,132+110.0% | $6,690+186.6% |
| Admin fee / account holder | $1,746 | $16,376-89.3% | $13,909-87.5% | $13,400-87.0% |