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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 | $1,081,446 | $183,539+489.2% | $155,556+595.2% | $145,897+641.2% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 16.80% | 61.31%-44.5pp | 64.84%-48.0pp | 552.29%-535.5pp |
| Employer contribution / active EE | $10,987 | $5,315+106.7% | $4,675+135.0% | $4,663+135.6% |
| Participant deferral / active EE | $14,228 | $6,467+120.0% | $5,631+152.7% | $6,689+112.7% |
| Admin fee / account holder | $3,810 | $19,275-80.2% | $15,885-76.0% | $13,390-71.5% |