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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 | $1,279,235 | $156,398+717.9% | $147,318+768.3% | $138,895+821.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 13.38% | 78.75%-65.4pp | 70.43%-57.0pp | 145.39%-132.0pp |
| Employer contribution / active EE | $1,553 | $4,853-68.0% | $4,593-66.2% | $4,194-63.0% |
| Participant deferral / active EE | $15,207 | $8,237+84.6% | $7,906+92.3% | $6,396+137.8% |
| Admin fee / account holder | $31,832 | $14,976+112.6% | $13,708+132.2% | $12,562+153.4% |