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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 | $378,725 | $176,838+114.2% | $146,685+158.2% | $167,518+126.1% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 13.76% | 24.04%-10.3pp | 22.75%-9.0pp | 478.71%-464.9pp |
| Employer contribution / active EE | $5,090 | $5,161-1.4% | $4,137+23.0% | $4,838+5.2% |
| Participant deferral / active EE | $16,299 | $6,441+153.1% | $5,507+196.0% | $6,342+157.0% |
| Admin fee / account holder | $1,487 | $13,262-88.8% | $10,281-85.5% | $12,312-87.9% |