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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 | $902,553 | $166,268+442.8% | $165,100+446.7% | $145,897+518.6% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 19.69% | 100.52%-80.8pp | 70.21%-50.5pp | 552.29%-532.6pp |
| Employer contribution / active EE | $28,829 | $5,284+445.6% | $4,348+563.0% | $4,663+518.3% |
| Participant deferral / active EE | $17,265 | $6,964+147.9% | $6,035+186.1% | $6,689+158.1% |
| Admin fee / account holder | $3,734 | $16,659-77.6% | $12,696-70.6% | $13,390-72.1% |