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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 | $522,686 | $197,625+164.5% | $177,840+193.9% | $158,966+228.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 9.53% | 58.76%-49.2pp | 48.32%-38.8pp | 302.95%-293.4pp |
| Employer contribution / active EE | $2,480 | $6,698-63.0% | $5,919-58.1% | $4,762-47.9% |
| Participant deferral / active EE | $8,594 | $8,405+2.3% | $7,714+11.4% | $5,983+43.6% |
| Admin fee / account holder | $15,000 | $15,405-2.6% | $12,431+20.7% | $11,250+33.3% |