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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 | $442,214 | $202,326+118.6% | $172,745+156.0% | $152,870+189.3% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.4%+17.6pp |
| Annual return | 18.60% | 1029.72%-1011.1pp | 802.90%-784.3pp | 345.34%-326.7pp |
| Employer contribution / active EE | $21,050 | $5,858+259.4% | $5,144+309.2% | $4,763+342.0% |
| Participant deferral / active EE | $16,722 | $5,948+181.1% | $5,197+221.7% | $5,850+185.8% |
| Admin fee / account holder | $810 | $17,110-95.3% | $13,954-94.2% | $11,597-93.0% |