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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 | $275,419 | $159,978+72.2% | $147,041+87.3% | $145,978+88.7% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 10.71% | 98.36%-87.7pp | 419.21%-408.5pp | 550.52%-539.8pp |
| Employer contribution / active EE | $18,066 | $5,288+241.6% | $4,935+266.1% | $4,662+287.5% |
| Participant deferral / active EE | $11,261 | $8,429+33.6% | $8,071+39.5% | $6,690+68.3% |
| Admin fee / account holder | $2,216 | $15,053-85.3% | $13,006-83.0% | $13,400-83.5% |