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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 | $250,070 | $202,342+23.6% | $172,752+44.8% | $152,897+63.6% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 22.95% | 1029.83%-1006.9pp | 802.97%-780.0pp | 345.43%-322.5pp |
| Employer contribution / active EE | $1,952 | $5,858-66.7% | $5,144-62.0% | $4,764-59.0% |
| Participant deferral / active EE | $7,797 | $5,948+31.1% | $5,198+50.0% | $5,851+33.3% |
| Admin fee / account holder | $1,482 | $17,111-91.3% | $13,955-89.4% | $11,599-87.2% |