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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 | $701,571 | $198,457+253.5% | $170,435+311.6% | $147,586+375.4% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 10.26% | 257.30%-247.0pp | 205.94%-195.7pp | 578.59%-568.3pp |
| Employer contribution / active EE | $20,460 | $6,183+230.9% | $5,432+276.6% | $4,876+319.6% |
| Participant deferral / active EE | $2,500 | $5,629-55.6% | $4,939-49.4% | $5,439-54.0% |
| Admin fee / account holder | $379 | $16,852-97.7% | $13,881-97.3% | $10,886-96.5% |