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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 | $413,584 | $154,754+167.3% | $124,206+233.0% | $138,895+197.8% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.6%+30.4pp | 79.9%+20.1pp |
| Annual return | 18.76% | 709.28%-690.5pp | 515.27%-496.5pp | 145.39%-126.6pp |
| Employer contribution / active EE | $17,295 | $4,446+289.0% | $3,540+388.5% | $4,194+312.3% |
| Participant deferral / active EE | $13,084 | $4,621+183.2% | $3,968+229.8% | $6,396+104.6% |
| Admin fee / account holder | $983 | $6,690-85.3% | $5,929-83.4% | $12,562-92.2% |