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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 | $1,023,757 | $217,432+370.8% | $185,849+450.9% | $167,536+511.1% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.12% | 148.42%-134.3pp | 122.10%-108.0pp | 478.82%-464.7pp |
| Employer contribution / active EE | $13,500 | $5,875+129.8% | $5,169+161.2% | $4,839+179.0% |
| Participant deferral / active EE | $3,250 | $6,357-48.9% | $5,569-41.6% | $6,342-48.8% |
| Admin fee / account holder | $79,930 | $19,818+303.3% | $16,244+392.1% | $12,315+549.1% |