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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 | $3,094,112 | $175,212+1665.9% | $149,682+1967.1% | $139,427+2119.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 55.39% | 166.63%-111.2pp | 134.35%-79.0pp | 373.27%-317.9pp |
| Employer contribution / active EE | $3,457 | $5,475-36.9% | $4,818-28.3% | $4,752-27.2% |
| Participant deferral / active EE | $16,771 | $6,520+157.2% | $5,681+195.2% | $6,711+149.9% |
| Admin fee / account holder | $182,911 | $16,150+1032.6% | $13,210+1284.7% | $11,404+1503.9% |