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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 | $533,212 | $107,341+396.7% | $92,897+474.0% | $152,870+248.8% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 22.53% | 145.59%-123.1pp | 109.42%-86.9pp | 345.34%-322.8pp |
| Employer contribution / active EE | $9,119 | $4,221+116.0% | $3,653+149.6% | $4,763+91.5% |
| Participant deferral / active EE | $7,658 | $4,847+58.0% | $4,238+80.7% | $5,850+30.9% |
| Admin fee / account holder | $6,464 | $7,080-8.7% | $5,794+11.6% | $11,597-44.3% |