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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 | $724,521 | $114,013+535.5% | $103,693+598.7% | $155,188+366.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 19.83% | 49.31%-29.5pp | 47.61%-27.8pp | 148.84%-129.0pp |
| Employer contribution / active EE | $20,034 | $3,131+539.8% | $2,920+586.0% | $4,248+371.6% |
| Participant deferral / active EE | $19,697 | $4,970+296.3% | $4,579+330.1% | $6,531+201.6% |
| Admin fee / account holder | $1,323 | $8,407-84.3% | $7,858-83.2% | $14,480-90.9% |