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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 | $463,155 | $183,592+152.3% | $155,567+197.7% | $145,959+217.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 15.29% | 61.24%-45.9pp | 64.74%-49.4pp | 561.95%-546.7pp |
| Employer contribution / active EE | $14,162 | $5,315+166.5% | $4,674+203.0% | $4,661+203.9% |
| Participant deferral / active EE | $19,456 | $6,464+201.0% | $5,628+245.7% | $6,689+190.9% |
| Admin fee / account holder | $2,662 | $19,318-86.2% | $15,916-83.3% | $13,398-80.1% |