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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 | $558,544 | $209,422+166.7% | $178,503+212.9% | $158,982+251.3% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 8.90% | 188.81%-179.9pp | 151.12%-142.2pp | 302.99%-294.1pp |
| Employer contribution / active EE | $28,691 | $5,707+402.7% | $5,011+472.5% | $4,763+502.4% |
| Participant deferral / active EE | $16,454 | $5,955+176.3% | $5,202+216.3% | $5,983+175.0% |
| Admin fee / account holder | $263,502 | $17,079+1442.8% | $13,987+1783.9% | $11,252+2241.9% |