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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 | $798,275 | $114,130+599.4% | $96,192+729.9% | $167,553+376.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 14.02% | 190.07%-176.0pp | 192.09%-178.1pp | 478.89%-464.9pp |
| Employer contribution / active EE | $7,141 | $3,431+108.1% | $2,799+155.1% | $4,840+47.6% |
| Participant deferral / active EE | $17,002 | $5,198+227.1% | $4,351+290.8% | $6,343+168.1% |
| Admin fee / account holder | $3,553 | $6,901-48.5% | $5,539-35.9% | $12,316-71.2% |