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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 | $330,052 | $111,814+195.2% | $103,374+219.3% | $145,959+126.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 9.50% | 24.77%-15.3pp | 24.89%-15.4pp | 561.95%-552.4pp |
| Employer contribution / active EE | $8,746 | $4,214+107.6% | $3,869+126.0% | $4,661+87.7% |
| Participant deferral / active EE | $19,800 | $5,618+252.4% | $5,058+291.5% | $6,689+196.0% |
| Admin fee / account holder | $816 | $9,754-91.6% | $8,394-90.3% | $13,398-93.9% |