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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 | $459,953 | $134,817+241.2% | $123,973+271.0% | $155,188+196.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 14.68% | 515.49%-500.8pp | 388.13%-373.4pp | 148.84%-134.2pp |
| Employer contribution / active EE | $4,832 | $4,425+9.2% | $4,126+17.1% | $4,248+13.8% |
| Participant deferral / active EE | $15,139 | $5,706+165.3% | $5,247+188.5% | $6,531+131.8% |
| Admin fee / account holder | $2,716 | $13,245-79.5% | $11,799-77.0% | $14,480-81.2% |