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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 | $306,620 | $69,118+343.6% | $53,647+471.6% | $138,895+120.8% |
| Participation rate | 100.0% | 64.0%+36.0pp | 56.3%+43.7pp | 79.9%+20.1pp |
| Annual return | 19.94% | 248.26%-228.3pp | 358.33%-338.4pp | 145.39%-125.5pp |
| Employer contribution / active EE | $7,753 | $1,189+551.8% | $962+705.9% | $4,194+84.9% |
| Participant deferral / active EE | $5,943 | $2,274+161.3% | $1,813+227.8% | $6,396-7.1% |
| Admin fee / account holder | $4,700 | $2,724+72.5% | $2,460+91.1% | $12,562-62.6% |