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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 | $1,372,606 | $199,109+589.4% | $173,730+690.1% | $154,746+787.0% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 16.35% | 20.02%-3.7pp | 19.96%-3.6pp | 172.34%-156.0pp |
| Employer contribution / active EE | $77,230 | $5,311+1354.1% | $4,577+1587.2% | $4,379+1663.6% |
| Participant deferral / active EE | $65,381 | $7,113+819.2% | $6,326+933.5% | $6,730+871.4% |
| Admin fee / account holder | $6,146 | $20,916-70.6% | $17,523-64.9% | $14,365-57.2% |