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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 | $278,195 | $168,635+65.0% | $147,617+88.5% | $125,389+121.9% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -1.41% | 77.65%-79.1pp | 61.98%-63.4pp | 282.24%-283.7pp |
| Employer contribution / active EE | $20,781 | $6,252+232.4% | $5,564+273.5% | $4,866+327.1% |
| Participant deferral / active EE | $11,071 | $5,507+101.0% | $4,895+126.1% | $5,352+106.9% |
| Admin fee / account holder | $1,552 | $13,580-88.6% | $11,612-86.6% | $9,541-83.7% |