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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 | $938,985 | $183,539+411.6% | $155,556+503.6% | $145,897+543.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.63% | 61.31%-49.7pp | 64.84%-53.2pp | 552.29%-540.7pp |
| Employer contribution / active EE | $60,281 | $5,315+1034.1% | $4,675+1189.3% | $4,663+1192.9% |
| Participant deferral / active EE | $25,450 | $6,467+293.5% | $5,631+352.0% | $6,689+280.5% |
| Admin fee / account holder | $7,396 | $19,275-61.6% | $15,885-53.4% | $13,390-44.8% |