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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 | $644,179 | $198,457+224.6% | $170,435+278.0% | $147,586+336.5% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 17.35% | 257.30%-240.0pp | 205.94%-188.6pp | 578.59%-561.2pp |
| Employer contribution / active EE | $15,215 | $6,183+146.1% | $5,432+180.1% | $4,876+212.0% |
| Participant deferral / active EE | $14,050 | $5,629+149.6% | $4,939+184.4% | $5,439+158.3% |
| Admin fee / account holder | $833 | $16,852-95.1% | $13,881-94.0% | $10,886-92.3% |