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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 | $1,197,526 | $180,462+563.6% | $154,111+677.1% | $135,379+784.6% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -7.43% | 888.17%-895.6pp | 735.18%-742.6pp | 519.79%-527.2pp |
| Employer contribution / active EE | $13,500 | $6,036+123.7% | $5,298+154.8% | $4,779+182.5% |
| Participant deferral / active EE | $19,600 | $5,806+237.6% | $5,081+285.8% | $5,609+249.4% |
| Admin fee / account holder | $20,376 | $16,145+26.2% | $13,411+51.9% | $10,828+88.2% |