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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 | $395,663 | $162,821+143.0% | $133,978+195.3% | $158,982+148.9% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 257.03% | 41.95%+215.1pp | 45.10%+211.9pp | 302.99%-46.0pp |
| Employer contribution / active EE | $9,020 | $4,976+81.3% | $3,919+130.2% | $4,763+89.4% |
| Participant deferral / active EE | $5,363 | $5,910-9.3% | $5,047+6.3% | $5,983-10.4% |
| Admin fee / account holder | $1,495 | $11,742-87.3% | $8,930-83.3% | $11,252-86.7% |