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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 | $257,444 | $116,203+121.5% | $93,621+175.0% | $152,909+68.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 21.98% | 35.96%-14.0pp | 32.76%-10.8pp | 345.46%-323.5pp |
| Employer contribution / active EE | $13,850 | $3,219+330.2% | $2,719+409.4% | $4,764+190.7% |
| Participant deferral / active EE | $10,747 | $4,605+133.4% | $4,070+164.1% | $5,851+83.7% |
| Admin fee / account holder | $15,317 | $10,751+42.5% | $7,890+94.1% | $11,601+32.0% |