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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 | $702,246 | $154,228+355.3% | $145,433+382.9% | $137,256+411.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 13.62% | 74.59%-61.0pp | 66.58%-53.0pp | 220.34%-206.7pp |
| Employer contribution / active EE | $53,472 | $4,804+1013.1% | $4,554+1074.1% | $4,156+1186.6% |
| Participant deferral / active EE | $7,000 | $8,216-14.8% | $7,897-11.4% | $6,407+9.3% |
| Admin fee / account holder | $94,069 | $14,344+555.8% | $13,129+616.5% | $12,270+666.6% |