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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 | $267,690 | $95,188+181.2% | $76,518+249.8% | $135,380+97.7% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -3.10% | 4.85%-8.0pp | -0.27%-2.8pp | 519.81%-522.9pp |
| Employer contribution / active EE | $4,255 | $3,303+28.8% | $2,647+60.7% | $4,779-11.0% |
| Participant deferral / active EE | $9,551 | $4,640+105.9% | $3,836+149.0% | $5,609+70.3% |
| Admin fee / account holder | $446 | $6,249-92.9% | $4,849-90.8% | $10,828-95.9% |