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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 | $2,971,470 | $217,432+1266.6% | $185,849+1498.9% | $167,536+1673.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 10.52% | 148.42%-137.9pp | 122.10%-111.6pp | 478.82%-468.3pp |
| Employer contribution / active EE | $28,950 | $5,875+392.8% | $5,169+460.1% | $4,839+498.3% |
| Participant deferral / active EE | $24,500 | $6,357+285.4% | $5,569+340.0% | $6,342+286.3% |
| Admin fee / account holder | $3,749 | $19,818-81.1% | $16,244-76.9% | $12,315-69.6% |