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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 | $874,122 | $174,018+402.3% | $136,833+538.8% | $198,609+340.1% |
| Participation rate | 100.0% | 65.1%+34.9pp | 59.0%+41.0pp | 82.4%+17.6pp |
| Annual return | 18.92% | 35.16%-16.2pp | 35.32%-16.4pp | 202.70%-183.8pp |
| Employer contribution / active EE | $38,515 | $1,571+2351.5% | $1,319+2820.9% | $5,055+661.9% |
| Participant deferral / active EE | $28,457 | $2,873+890.4% | $2,441+1065.9% | $6,977+307.9% |
| Admin fee / account holder | $8,629 | $5,434+58.8% | $4,706+83.4% | $19,030-54.7% |