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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 | $678,291 | $180,028+276.8% | $138,135+391.0% | $158,982+326.6% |
| Participation rate | 100.0% | 82.2%+17.8pp | 78.7%+21.3pp | 82.0%+18.0pp |
| Annual return | 6.17% | 21.68%-15.5pp | 20.51%-14.3pp | 302.99%-296.8pp |
| Employer contribution / active EE | $21,639 | $7,470+189.7% | $5,587+287.3% | $4,763+354.3% |
| Participant deferral / active EE | $19,218 | $7,717+149.0% | $6,431+198.8% | $5,983+221.2% |
| Admin fee / account holder | $722 | $17,912-96.0% | $11,856-93.9% | $11,252-93.6% |