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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 | $944,588 | $176,105+436.4% | $159,474+492.3% | $167,536+463.8% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 11.67% | 331.91%-320.2pp | 263.68%-252.0pp | 478.82%-467.1pp |
| Employer contribution / active EE | $19,433 | $5,299+266.7% | $4,831+302.3% | $4,839+301.6% |
| Participant deferral / active EE | $13,975 | $7,751+80.3% | $7,353+90.1% | $6,342+120.3% |
| Admin fee / account holder | $5,926 | $12,559-52.8% | $10,802-45.1% | $12,315-51.9% |