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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 | $413,138 | $110,410+274.2% | $102,437+303.3% | $145,897+183.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 16.69% | 24.85%-8.2pp | 24.95%-8.3pp | 552.29%-535.6pp |
| Employer contribution / active EE | $19,018 | $4,217+351.0% | $3,871+391.3% | $4,663+307.9% |
| Participant deferral / active EE | $21,927 | $5,622+290.0% | $5,060+333.3% | $6,689+227.8% |
| Admin fee / account holder | $1,753 | $9,745-82.0% | $8,388-79.1% | $13,390-86.9% |