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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 | $260,162 | $209,422+24.2% | $178,503+45.7% | $158,982+63.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 13.97% | 188.81%-174.8pp | 151.12%-137.1pp | 302.99%-289.0pp |
| Employer contribution / active EE | $2,529 | $5,707-55.7% | $5,011-49.5% | $4,763-46.9% |
| Participant deferral / active EE | $11,070 | $5,955+85.9% | $5,202+112.8% | $5,983+85.0% |
| Admin fee / account holder | $29,090 | $17,079+70.3% | $13,987+108.0% | $11,252+158.5% |