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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 | $916,606 | $176,120+420.4% | $159,487+474.7% | $167,553+447.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 11.60% | 331.95%-320.3pp | 263.71%-252.1pp | 478.89%-467.3pp |
| Employer contribution / active EE | $31,576 | $5,299+495.8% | $4,831+553.6% | $4,840+552.5% |
| Participant deferral / active EE | $22,100 | $7,752+185.1% | $7,354+200.5% | $6,343+248.4% |
| Admin fee / account holder | $3,234 | $12,561-74.3% | $10,804-70.1% | $12,316-73.7% |