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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 | $491,524 | $160,028+207.1% | $147,080+234.2% | $145,884+236.9% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 10.33% | 98.60%-88.3pp | 420.17%-409.8pp | 551.85%-541.5pp |
| Employer contribution / active EE | $18,940 | $5,286+258.3% | $4,933+283.9% | $4,662+306.2% |
| Participant deferral / active EE | $11,026 | $8,422+30.9% | $8,066+36.7% | $6,690+64.8% |
| Admin fee / account holder | $2,693 | $15,030-82.1% | $12,989-79.3% | $13,392-79.9% |