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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 | $253,822 | $176,120+44.1% | $159,487+59.1% | $167,553+51.5% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 10.17% | 331.95%-321.8pp | 263.71%-253.5pp | 478.89%-468.7pp |
| Employer contribution / active EE | $20,000 | $5,299+277.4% | $4,831+314.0% | $4,840+313.3% |
| Participant deferral / active EE | $19,500 | $7,752+151.6% | $7,354+165.2% | $6,343+207.4% |
| Admin fee / account holder | $633 | $12,561-95.0% | $10,804-94.1% | $12,316-94.9% |