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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 | $290,997 | $123,898+134.9% | $116,538+149.7% | $155,188+87.5% |
| Participation rate | 94.7% | 83.7%+11.0pp | 82.6%+12.1pp | 80.8%+13.9pp |
| Annual return | 14.81% | 16.04%-1.2pp | 17.97%-3.2pp | 148.84%-134.0pp |
| Employer contribution / active EE | $3,049 | $4,739-35.7% | $4,541-32.9% | $4,248-28.2% |
| Participant deferral / active EE | $9,459 | $6,400+47.8% | $6,207+52.4% | $6,531+44.8% |
| Admin fee / account holder | $5,037 | $9,174-45.1% | $8,737-42.3% | $14,480-65.2% |