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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 | $1,151,553 | $160,028+619.6% | $147,080+682.9% | $145,884+689.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.62% | 98.60%-88.0pp | 420.17%-409.5pp | 551.85%-541.2pp |
| Employer contribution / active EE | $14,237 | $5,286+169.4% | $4,933+188.6% | $4,662+205.4% |
| Participant deferral / active EE | $20,333 | $8,422+141.4% | $8,066+152.1% | $6,690+204.0% |
| Admin fee / account holder | $2,947 | $15,030-80.4% | $12,989-77.3% | $13,392-78.0% |