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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 | $1,156,644 | $217,427+432.0% | $185,837+522.4% | $167,518+590.5% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 20.12% | 148.39%-128.3pp | 122.08%-102.0pp | 478.71%-458.6pp |
| Employer contribution / active EE | $22,580 | $5,874+284.4% | $5,168+336.9% | $4,838+366.7% |
| Participant deferral / active EE | $13,000 | $6,357+104.5% | $5,568+133.5% | $6,342+105.0% |
| Admin fee / account holder | $407 | $19,816-97.9% | $16,241-97.5% | $12,312-96.7% |