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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 | $503,375 | $154,228+226.4% | $145,433+246.1% | $137,256+266.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 20.92% | 74.59%-53.7pp | 66.58%-45.7pp | 220.34%-199.4pp |
| Employer contribution / active EE | $9,200 | $4,804+91.5% | $4,554+102.0% | $4,156+121.4% |
| Participant deferral / active EE | $19,913 | $8,216+142.4% | $7,897+152.2% | $6,407+210.8% |
| Admin fee / account holder | $4,130 | $14,344-71.2% | $13,129-68.5% | $12,270-66.3% |