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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 | $534,784 | $150,446+255.5% | $136,297+292.4% | $147,585+262.4% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 19.56% | 1049.14%-1029.6pp | 5156.19%-5136.6pp | 578.58%-559.0pp |
| Employer contribution / active EE | $7,295 | $5,256+38.8% | $4,696+55.4% | $4,876+49.6% |
| Participant deferral / active EE | $8,265 | $6,631+24.6% | $6,247+32.3% | $5,439+52.0% |
| Admin fee / account holder | $1,933 | $10,906-82.3% | $9,244-79.1% | $10,886-82.2% |