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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 | $500,070 | $209,425+138.8% | $178,499+180.2% | $158,966+214.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 21.35% | 188.80%-167.4pp | 151.10%-129.7pp | 302.95%-281.6pp |
| Employer contribution / active EE | $11,695 | $5,707+104.9% | $5,011+133.4% | $4,762+145.6% |
| Participant deferral / active EE | $3,752 | $5,955-37.0% | $5,202-27.9% | $5,983-37.3% |
| Admin fee / account holder | $2,025 | $17,078-88.1% | $13,986-85.5% | $11,250-82.0% |