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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 | $312,478 | $91,179+242.7% | $178,499+75.1% | $79,852+291.3% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 25.30% | 24.19%+1.1pp | 151.10%-125.8pp | 31.72%-6.4pp |
| Employer contribution / active EE | $21,666 | $3,256+565.5% | $5,011+332.3% | $2,471+776.8% |
| Participant deferral / active EE | $13,369 | $3,236+313.2% | $5,202+157.0% | $3,740+257.4% |
| Admin fee / account holder | $1,433 | $6,749-78.8% | $13,986-89.8% | $5,306-73.0% |