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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 | $352,179 | $176,786+99.2% | $146,643+140.2% | $167,536+110.2% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 15.64% | 24.04%-8.4pp | 22.75%-7.1pp | 478.82%-463.2pp |
| Employer contribution / active EE | $15,250 | $5,161+195.5% | $4,137+268.6% | $4,839+215.1% |
| Participant deferral / active EE | $18,282 | $6,440+183.9% | $5,506+232.0% | $6,342+188.3% |
| Admin fee / account holder | $5,544 | $13,262-58.2% | $10,280-46.1% | $12,315-55.0% |