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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 | $306,032 | $97,751+213.1% | $103,447+195.8% | $145,877+109.8% |
| Participation rate | 100.0% | 81.1%+18.9pp | 80.5%+19.5pp | 80.3%+19.7pp |
| Annual return | 10.64% | 25.43%-14.8pp | 23.92%-13.3pp | 551.28%-540.6pp |
| Employer contribution / active EE | $11,327 | $4,684+141.8% | $4,678+142.1% | $4,663+142.9% |
| Participant deferral / active EE | $14,405 | $6,603+118.1% | $6,624+117.5% | $6,691+115.3% |
| Admin fee / account holder | $18,698 | $12,515+49.4% | $9,415+98.6% | $13,402+39.5% |