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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 | $260,401 | $150,445+73.1% | $136,297+91.1% | $147,585+76.4% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 21.37% | 1049.14%-1027.8pp | 5156.16%-5134.8pp | 578.57%-557.2pp |
| Employer contribution / active EE | $2,048 | $5,256-61.0% | $4,696-56.4% | $4,876-58.0% |
| Participant deferral / active EE | $4,241 | $6,631-36.0% | $6,247-32.1% | $5,439-22.0% |
| Admin fee / account holder | $439 | $10,906-96.0% | $9,244-95.3% | $10,885-96.0% |