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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 | $329,651 | $217,427+51.6% | $185,837+77.4% | $167,518+96.8% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.26% | 148.39%-136.1pp | 122.08%-109.8pp | 478.71%-466.5pp |
| Employer contribution / active EE | $8,225 | $5,874+40.0% | $5,168+59.1% | $4,838+70.0% |
| Participant deferral / active EE | $10,513 | $6,357+65.4% | $5,568+88.8% | $6,342+65.8% |
| Admin fee / account holder | $12,980 | $19,816-34.5% | $16,241-20.1% | $12,312+5.4% |