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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 | $287,438 | $177,595+61.8% | $148,496+93.6% | $198,609+44.7% |
| Participation rate | 81.3% | 79.3%+2.0pp | 76.0%+5.2pp | 82.4%-1.1pp |
| Annual return | 10.56% | 9.97%+0.6pp | 12.33%-1.8pp | 202.70%-192.1pp |
| Employer contribution / active EE | $5,953 | $4,098+45.3% | $3,497+70.2% | $5,055+17.8% |
| Participant deferral / active EE | $11,816 | $5,539+113.3% | $4,808+145.7% | $6,977+69.4% |
| Admin fee / account holder | $100,506 | $27,010+272.1% | $19,547+414.2% | $19,030+428.1% |