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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 | $413,762 | $103,008+301.7% | $90,304+358.2% | $152,897+170.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 73.3%+26.7pp | 82.5%+17.5pp |
| Annual return | 14.09% | 95.22%-81.1pp | 78.13%-64.0pp | 345.43%-331.3pp |
| Employer contribution / active EE | $11,465 | $3,139+265.2% | $2,855+301.6% | $4,764+140.7% |
| Participant deferral / active EE | $11,126 | $4,281+159.9% | $3,885+186.4% | $5,851+90.1% |
| Admin fee / account holder | $10,581 | $6,175+71.4% | $5,354+97.6% | $11,599-8.8% |