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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 | $286,126 | $167,362+71.0% | $143,799+99.0% | $134,532+112.7% |
| Participation rate | 90.9% | 84.8%+6.1pp | 80.3%+10.6pp | 81.2%+9.7pp |
| Annual return | -9.12% | 0.47%-9.6pp | -0.04%-9.1pp | 418.27%-427.4pp |
| Employer contribution / active EE | $13,494 | $5,620+140.1% | $4,952+172.5% | $4,741+184.6% |
| Participant deferral / active EE | $9,734 | $6,447+51.0% | $5,638+72.6% | $6,401+52.1% |
| Admin fee / account holder | $169,031 | $18,094+834.2% | $14,677+1051.7% | $11,429+1379.0% |