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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 | $391,820 | $209,428+87.1% | $178,498+119.5% | $158,950+146.5% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 14.10% | 188.78%-174.7pp | 151.09%-137.0pp | 302.91%-288.8pp |
| Employer contribution / active EE | $14,218 | $5,707+149.1% | $5,011+183.7% | $4,762+198.6% |
| Participant deferral / active EE | $15,977 | $5,955+168.3% | $5,202+207.1% | $5,983+167.1% |
| Admin fee / account holder | $38,222 | $17,077+123.8% | $13,985+173.3% | $11,248+239.8% |