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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 | $795,482 | $181,062+339.3% | $158,223+402.8% | $155,188+412.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 17.87% | 57.39%-39.5pp | 52.09%-34.2pp | 148.84%-131.0pp |
| Employer contribution / active EE | $11,871 | $4,565+160.1% | $4,109+188.9% | $4,248+179.5% |
| Participant deferral / active EE | $10,323 | $6,134+68.3% | $5,467+88.8% | $6,531+58.1% |
| Admin fee / account holder | $558 | $18,825-97.0% | $16,047-96.5% | $14,480-96.1% |