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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 | $322,790 | $103,164+212.9% | $90,259+257.6% | $154,746+108.6% |
| Participation rate | 100.0% | 76.1%+23.9pp | 70.7%+29.3pp | 80.7%+19.3pp |
| Annual return | 15.27% | 19.25%-4.0pp | 18.88%-3.6pp | 172.34%-157.1pp |
| Employer contribution / active EE | $18,759 | $2,532+641.0% | $2,291+718.7% | $4,379+328.4% |
| Participant deferral / active EE | $9,280 | $4,422+109.9% | $3,827+142.5% | $6,730+37.9% |
| Admin fee / account holder | $41,772 | $8,593+386.1% | $7,267+474.8% | $14,365+190.8% |