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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 | $1,044,268 | $209,422+398.6% | $178,503+485.0% | $158,982+556.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 8.02% | 188.81%-180.8pp | 151.12%-143.1pp | 302.99%-295.0pp |
| Employer contribution / active EE | $17,513 | $5,707+206.9% | $5,011+249.5% | $4,763+267.7% |
| Participant deferral / active EE | $19,800 | $5,955+232.5% | $5,202+280.6% | $5,983+230.9% |
| Admin fee / account holder | $4,642 | $17,079-72.8% | $13,987-66.8% | $11,252-58.7% |