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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 | $380,212 | $165,361+129.9% | $149,715+154.0% | $158,950+139.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.07% | 348.24%-333.2pp | 276.66%-261.6pp | 302.91%-287.8pp |
| Employer contribution / active EE | $23,910 | $5,103+368.5% | $4,645+414.8% | $4,762+402.1% |
| Participant deferral / active EE | $18,314 | $7,182+155.0% | $6,842+167.7% | $5,983+206.1% |
| Admin fee / account holder | $3,699 | $10,808-65.8% | $9,310-60.3% | $11,248-67.1% |