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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 | $305,507 | $209,422+45.9% | $178,503+71.1% | $158,982+92.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 15.09% | 188.81%-173.7pp | 151.12%-136.0pp | 302.99%-287.9pp |
| Employer contribution / active EE | $12,647 | $5,707+121.6% | $5,011+152.4% | $4,763+165.5% |
| Participant deferral / active EE | $8,674 | $5,955+45.7% | $5,202+66.7% | $5,983+45.0% |
| Admin fee / account holder | $2,272 | $17,079-86.7% | $13,987-83.8% | $11,252-79.8% |