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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 | $261,665 | $148,582+76.1% | $135,942+92.5% | $139,456+87.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 25.97% | 79.26%-53.3pp | 68.28%-42.3pp | 373.45%-347.5pp |
| Employer contribution / active EE | $9,980 | $5,245+90.3% | $4,858+105.5% | $4,753+110.0% |
| Participant deferral / active EE | $11,534 | $8,101+42.4% | $7,759+48.7% | $6,711+71.9% |
| Admin fee / account holder | $3,787 | $12,402-69.5% | $10,764-64.8% | $11,407-66.8% |