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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 | $630,484 | $156,398+303.1% | $147,318+328.0% | $138,895+353.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 20.72% | 78.75%-58.0pp | 70.43%-49.7pp | 145.39%-124.7pp |
| Employer contribution / active EE | $43,716 | $4,853+800.8% | $4,593+851.8% | $4,194+942.3% |
| Participant deferral / active EE | $30,504 | $8,237+270.3% | $7,906+285.8% | $6,396+376.9% |
| Admin fee / account holder | $34,068 | $14,976+127.5% | $13,708+148.5% | $12,562+171.2% |