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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 | $531,695 | $160,070+232.2% | $147,117+261.4% | $145,897+264.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.81% | 98.69%-81.9pp | 420.54%-403.7pp | 552.29%-535.5pp |
| Employer contribution / active EE | $22,799 | $5,285+331.4% | $4,932+362.2% | $4,663+389.0% |
| Participant deferral / active EE | $13,835 | $8,419+64.3% | $8,065+71.6% | $6,689+106.8% |
| Admin fee / account holder | $3,932 | $15,035-73.9% | $12,993-69.7% | $13,390-70.6% |