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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 | $1,028,264 | $160,028+542.6% | $147,080+599.1% | $145,884+604.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 22.95% | 98.60%-75.6pp | 420.17%-397.2pp | 551.85%-528.9pp |
| Employer contribution / active EE | $8,480 | $5,286+60.4% | $4,933+71.9% | $4,662+81.9% |
| Participant deferral / active EE | $30,247 | $8,422+259.1% | $8,066+275.0% | $6,690+352.1% |
| Admin fee / account holder | $9,060 | $15,030-39.7% | $12,989-30.3% | $13,392-32.3% |