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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 | $432,386 | $78,690+449.5% | $161,489+167.8% | $87,485+394.2% |
| Participation rate | 100.0% | 67.5%+32.5pp | 78.7%+21.3pp | 68.9%+31.1pp |
| Annual return | 14.87% | 32.74%-17.9pp | 89.72%-74.9pp | 26.06%-11.2pp |
| Employer contribution / active EE | $13,976 | $2,588+440.0% | $4,268+227.4% | $2,596+438.3% |
| Participant deferral / active EE | $10,819 | $3,311+226.8% | $5,630+92.2% | $4,274+153.2% |
| Admin fee / account holder | $5,657 | $6,724-15.9% | $16,006-64.7% | $7,775-27.2% |