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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 | $317,450 | $112,935+181.1% | $90,970+249.0% | $158,966+99.7% |
| Participation rate | 100.0% | 74.7%+25.3pp | 69.0%+31.0pp | 82.0%+18.0pp |
| Annual return | 6.54% | 215.79%-209.2pp | 134.58%-128.0pp | 302.95%-296.4pp |
| Employer contribution / active EE | $30,807 | $2,895+964.3% | $2,122+1351.5% | $4,762+546.9% |
| Participant deferral / active EE | $17,844 | $4,129+332.2% | $3,373+429.0% | $5,983+198.2% |
| Admin fee / account holder | $1,680 | $8,045-79.1% | $5,960-71.8% | $11,250-85.1% |