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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 | $405,569 | $127,273+218.7% | $109,895+269.1% | $167,518+142.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.2%+25.8pp | 82.1%+17.9pp |
| Annual return | 13.95% | 22.97%-9.0pp | 29.46%-15.5pp | 478.71%-464.8pp |
| Employer contribution / active EE | $20,022 | $3,324+502.4% | $2,843+604.2% | $4,838+313.8% |
| Participant deferral / active EE | $15,242 | $4,515+237.6% | $4,049+276.5% | $6,342+140.3% |
| Admin fee / account holder | $74,574 | $7,117+947.9% | $6,067+1129.2% | $12,312+505.7% |