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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 | $1,160,329 | $160,070+624.9% | $147,117+688.7% | $145,897+695.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 24.03% | 98.69%-74.7pp | 420.54%-396.5pp | 552.29%-528.3pp |
| Employer contribution / active EE | $32,598 | $5,285+516.9% | $4,932+560.9% | $4,663+599.1% |
| Participant deferral / active EE | $20,333 | $8,419+141.5% | $8,065+152.1% | $6,689+204.0% |
| Admin fee / account holder | $593 | $15,035-96.1% | $12,993-95.4% | $13,390-95.6% |