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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 | $261,385 | $124,346+110.2% | $111,308+134.8% | $167,536+56.0% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 22.82% | 37.45%-14.6pp | 54.67%-31.8pp | 478.82%-456.0pp |
| Employer contribution / active EE | $2,503 | $3,437-27.2% | $2,732-8.4% | $4,839-48.3% |
| Participant deferral / active EE | $14,613 | $5,182+182.0% | $4,487+225.6% | $6,342+130.4% |
| Admin fee / account holder | $981 | $10,621-90.8% | $7,965-87.7% | $12,315-92.0% |