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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 | $495,568 | $202,342+144.9% | $172,752+186.9% | $152,897+224.1% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 15.29% | 1029.83%-1014.5pp | 802.97%-787.7pp | 345.43%-330.1pp |
| Employer contribution / active EE | $11,418 | $5,858+94.9% | $5,144+122.0% | $4,764+139.7% |
| Participant deferral / active EE | $8,371 | $5,948+40.7% | $5,198+61.1% | $5,851+43.1% |
| Admin fee / account holder | $14,809 | $17,111-13.5% | $13,955+6.1% | $11,599+27.7% |