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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 | $293,035 | $148,629+97.2% | $135,982+115.5% | $139,487+110.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 17.22% | 79.33%-62.1pp | 68.32%-51.1pp | 373.84%-356.6pp |
| Employer contribution / active EE | $18,621 | $5,247+254.9% | $4,859+283.2% | $4,755+291.6% |
| Participant deferral / active EE | $16,163 | $8,102+99.5% | $7,760+108.3% | $6,713+140.8% |
| Admin fee / account holder | $2,509 | $12,406-79.8% | $10,767-76.7% | $11,407-78.0% |