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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 | $566,324 | $198,462+185.4% | $170,439+232.3% | $147,585+283.7% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 15.14% | 257.30%-242.2pp | 205.94%-190.8pp | 578.58%-563.4pp |
| Employer contribution / active EE | $20,368 | $6,184+229.4% | $5,433+274.9% | $4,876+317.7% |
| Participant deferral / active EE | $16,494 | $5,629+193.0% | $4,939+233.9% | $5,439+203.3% |
| Admin fee / account holder | $3,302 | $16,852-80.4% | $13,881-76.2% | $10,886-69.7% |