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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 | $661,876 | $167,352+295.5% | $143,788+360.3% | $134,509+392.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -7.51% | 0.47%-8.0pp | -0.03%-7.5pp | 418.13%-425.6pp |
| Employer contribution / active EE | $40,500 | $5,620+620.6% | $4,952+717.9% | $4,741+754.3% |
| Participant deferral / active EE | $27,000 | $6,447+318.8% | $5,638+378.9% | $6,400+321.9% |
| Admin fee / account holder | $2,009 | $18,091-88.9% | $14,675-86.3% | $11,427-82.4% |