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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 | $613,012 | $198,457+208.9% | $170,435+259.7% | $147,586+315.4% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 13.63% | 257.30%-243.7pp | 205.94%-192.3pp | 578.59%-565.0pp |
| Employer contribution / active EE | $14,079 | $6,183+127.7% | $5,432+159.2% | $4,876+188.7% |
| Participant deferral / active EE | $9,171 | $5,629+62.9% | $4,939+85.7% | $5,439+68.6% |
| Admin fee / account holder | $17,973 | $16,852+6.7% | $13,881+29.5% | $10,886+65.1% |