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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 | $296,003 | $103,038+187.3% | $90,324+227.7% | $152,909+93.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 73.3%+26.7pp | 82.5%+17.5pp |
| Annual return | 22.59% | 95.25%-72.7pp | 78.15%-55.6pp | 345.46%-322.9pp |
| Employer contribution / active EE | $19,883 | $3,141+533.1% | $2,856+596.2% | $4,764+317.4% |
| Participant deferral / active EE | $13,422 | $4,282+213.5% | $3,885+245.4% | $5,851+129.4% |
| Admin fee / account holder | $19,404 | $6,177+214.1% | $5,356+262.3% | $11,601+67.3% |