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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 | $528,057 | $153,769+243.4% | $133,975+294.1% | $273,972+92.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 77.71% | 36.51%+41.2pp | 29.29%+48.4pp | 41.46%+36.3pp |
| Employer contribution / active EE | $13,010 | $6,029+115.8% | $5,211+149.7% | $4,869+167.2% |
| Participant deferral / active EE | $14,054 | $6,958+102.0% | $6,282+123.7% | $5,287+165.8% |
| Admin fee / account holder | $5,941 | $11,765-49.5% | $9,324-36.3% | $10,133-41.4% |