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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 | $415,420 | $148,623+179.5% | $135,974+205.5% | $139,466+197.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 18.60% | 79.30%-60.7pp | 68.30%-49.7pp | 373.66%-355.1pp |
| Employer contribution / active EE | $14,081 | $5,246+168.4% | $4,859+189.8% | $4,754+196.2% |
| Participant deferral / active EE | $12,339 | $8,103+52.3% | $7,760+59.0% | $6,712+83.8% |
| Admin fee / account holder | $2,481 | $12,406-80.0% | $10,767-77.0% | $11,409-78.3% |