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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 | $483,922 | $174,379+177.5% | $152,093+218.2% | $138,895+248.4% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 19.59% | 74.86%-55.3pp | 66.36%-46.8pp | 145.39%-125.8pp |
| Employer contribution / active EE | $46,500 | $4,652+899.6% | $4,175+1013.9% | $4,194+1008.7% |
| Participant deferral / active EE | $31,167 | $6,159+406.0% | $5,451+471.7% | $6,396+387.3% |
| Admin fee / account holder | $18,477 | $16,880+9.5% | $14,497+27.5% | $12,562+47.1% |