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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 | $521,575 | $160,028+225.9% | $147,080+254.6% | $145,884+257.5% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 18.54% | 98.60%-80.1pp | 420.17%-401.6pp | 551.85%-533.3pp |
| Employer contribution / active EE | $14,135 | $5,286+167.4% | $4,933+186.5% | $4,662+203.2% |
| Participant deferral / active EE | $16,221 | $8,422+92.6% | $8,066+101.1% | $6,690+142.5% |
| Admin fee / account holder | $29,523 | $15,030+96.4% | $12,989+127.3% | $13,392+120.5% |