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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 | $459,721 | $202,342+127.2% | $172,752+166.1% | $152,897+200.7% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 20.02% | 1029.83%-1009.8pp | 802.97%-782.9pp | 345.43%-325.4pp |
| Employer contribution / active EE | $10,264 | $5,858+75.2% | $5,144+99.5% | $4,764+115.5% |
| Participant deferral / active EE | $9,210 | $5,948+54.8% | $5,198+77.2% | $5,851+57.4% |
| Admin fee / account holder | $1,528 | $17,111-91.1% | $13,955-89.1% | $11,599-86.8% |