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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 | $176,071+293.5% | $159,450+334.6% | $167,497+313.7% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 24.38% | 331.79%-307.4pp | 263.60%-239.2pp | 478.62%-454.2pp |
| Employer contribution / active EE | $22,899 | $5,298+332.2% | $4,830+374.1% | $4,838+373.3% |
| Participant deferral / active EE | $13,000 | $7,750+67.7% | $7,352+76.8% | $6,341+105.0% |
| Admin fee / account holder | $2,919 | $12,555-76.8% | $10,800-73.0% | $12,310-76.3% |