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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 | $392,125 | $156,970+149.8% | $121,210+223.5% | $139,487+181.1% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 13.04% | 1477.10%-1464.1pp | 987.41%-974.4pp | 373.84%-360.8pp |
| Employer contribution / active EE | $12,674 | $5,546+128.5% | $4,171+203.9% | $4,755+166.6% |
| Participant deferral / active EE | $20,000 | $4,849+312.4% | $4,084+389.8% | $6,713+197.9% |
| Admin fee / account holder | $4,230 | $6,947-39.1% | $5,647-25.1% | $11,407-62.9% |