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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 | $405,801 | $212,386+91.1% | $199,883+103.0% | $138,895+192.2% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 20.38% | 47.75%-27.4pp | 43.81%-23.4pp | 145.39%-125.0pp |
| Employer contribution / active EE | $17,945 | $6,625+170.9% | $6,261+186.6% | $4,194+327.9% |
| Participant deferral / active EE | $21,623 | $9,617+124.8% | $9,138+136.6% | $6,396+238.1% |
| Admin fee / account holder | $33,630 | $18,233+84.4% | $17,268+94.8% | $12,562+167.7% |