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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 | $692,924 | $176,120+293.4% | $159,487+334.5% | $167,553+313.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 24.38% | 331.95%-307.6pp | 263.71%-239.3pp | 478.89%-454.5pp |
| Employer contribution / active EE | $22,899 | $5,299+332.1% | $4,831+374.0% | $4,840+373.2% |
| Participant deferral / active EE | $13,000 | $7,752+67.7% | $7,354+76.8% | $6,343+105.0% |
| Admin fee / account holder | $2,919 | $12,561-76.8% | $10,804-73.0% | $12,316-76.3% |