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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 | $523,777 | $217,432+140.9% | $185,849+181.8% | $167,536+212.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 29.21% | 148.42%-119.2pp | 122.10%-92.9pp | 478.82%-449.6pp |
| Employer contribution / active EE | $23,494 | $5,875+299.9% | $5,169+354.5% | $4,839+385.5% |
| Participant deferral / active EE | $14,092 | $6,357+121.7% | $5,569+153.0% | $6,342+122.2% |
| Admin fee / account holder | $632 | $19,818-96.8% | $16,244-96.1% | $12,315-94.9% |