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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 | $670,884 | $209,888+219.6% | $189,545+253.9% | $167,553+300.4% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 12.62% | 748.66%-736.0pp | 555.36%-542.7pp | 478.89%-466.3pp |
| Employer contribution / active EE | $13,932 | $6,915+101.5% | $6,162+126.1% | $4,840+187.9% |
| Participant deferral / active EE | $9,936 | $8,934+11.2% | $8,220+20.9% | $6,343+56.7% |
| Admin fee / account holder | $28,399 | $14,300+98.6% | $12,049+135.7% | $12,316+130.6% |