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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 | $2,528,354 | $167,362+1410.7% | $143,799+1658.3% | $134,532+1779.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.90% | 0.47%-18.4pp | -0.04%-17.9pp | 418.27%-436.2pp |
| Employer contribution / active EE | $9,733 | $5,620+73.2% | $4,952+96.5% | $4,741+105.3% |
| Participant deferral / active EE | $4,333 | $6,447-32.8% | $5,638-23.1% | $6,401-32.3% |
| Admin fee / account holder | $127,823 | $18,094+606.4% | $14,677+770.9% | $11,429+1018.5% |