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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 | $407,154 | $88,702+359.0% | $81,780+397.9% | $145,978+178.9% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 13.78% | 1029.12%-1015.3pp | 776.27%-762.5pp | 550.52%-536.7pp |
| Employer contribution / active EE | $6,077 | $3,084+97.0% | $2,914+108.6% | $4,662+30.4% |
| Participant deferral / active EE | $16,995 | $4,645+265.9% | $4,321+293.3% | $6,690+154.1% |
| Admin fee / account holder | $6,433 | $8,414-23.5% | $7,384-12.9% | $13,400-52.0% |