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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 | $524,095 | $106,974+389.9% | $90,796+477.2% | $138,895+277.3% |
| Participation rate | 100.0% | 74.9%+25.1pp | 69.5%+30.5pp | 79.9%+20.1pp |
| Annual return | 13.40% | 20.10%-6.7pp | 19.29%-5.9pp | 145.39%-132.0pp |
| Employer contribution / active EE | $13,727 | $2,609+426.2% | $2,294+498.5% | $4,194+227.3% |
| Participant deferral / active EE | $16,355 | $4,455+267.2% | $3,822+328.0% | $6,396+155.7% |
| Admin fee / account holder | $2,521 | $8,626-70.8% | $7,024-64.1% | $12,562-79.9% |