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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 | $273,466 | $160,040+70.9% | $147,096+85.9% | $145,877+87.5% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 12.18% | 98.49%-86.3pp | 419.75%-407.6pp | 551.28%-539.1pp |
| Employer contribution / active EE | $5,745 | $5,289+8.6% | $4,936+16.4% | $4,663+23.2% |
| Participant deferral / active EE | $13,751 | $8,429+63.1% | $8,071+70.4% | $6,691+105.5% |
| Admin fee / account holder | $5,224 | $15,050-65.3% | $13,005-59.8% | $13,402-61.0% |