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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 | $689,010 | $117,859+484.6% | $102,438+572.6% | $145,959+372.1% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 12.64% | 31.72%-19.1pp | 29.37%-16.7pp | 561.95%-549.3pp |
| Employer contribution / active EE | $11,569 | $3,615+220.0% | $3,024+282.6% | $4,661+148.2% |
| Participant deferral / active EE | $12,607 | $5,732+119.9% | $5,054+149.5% | $6,689+88.5% |
| Admin fee / account holder | $1,074 | $13,318-91.9% | $9,448-88.6% | $13,398-92.0% |