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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 | $284,755 | $96,388+195.4% | $80,627+253.2% | $139,466+104.2% |
| Participation rate | 80.0% | 73.6%+6.4pp | 67.0%+13.0pp | 80.3%-0.3pp |
| Annual return | 15.90% | 1352.08%-1336.2pp | 936.76%-920.9pp | 373.66%-357.8pp |
| Employer contribution / active EE | $7,861 | $3,260+141.2% | $2,723+188.7% | $4,754+65.4% |
| Participant deferral / active EE | $4,019 | $5,224-23.1% | $4,443-9.5% | $6,712-40.1% |
| Admin fee / account holder | $2,033 | $6,603-69.2% | $5,381-62.2% | $11,409-82.2% |