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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 | $1,503,194 | $217,432+591.3% | $185,849+708.8% | $167,536+797.2% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 21.04% | 148.42%-127.4pp | 122.10%-101.1pp | 478.82%-457.8pp |
| Employer contribution / active EE | $14,031 | $5,875+138.8% | $5,169+171.5% | $4,839+189.9% |
| Participant deferral / active EE | $10,301 | $6,357+62.0% | $5,569+85.0% | $6,342+62.4% |
| Admin fee / account holder | $17,364 | $19,818-12.4% | $16,244+6.9% | $12,315+41.0% |