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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 | $519,097 | $196,972+163.5% | $182,262+184.8% | $198,609+161.4% |
| Participation rate | 71.4% | 85.7%-14.3pp | 84.2%-12.8pp | 82.4%-10.9pp |
| Annual return | 18.62% | 158.27%-139.7pp | 140.60%-122.0pp | 202.70%-184.1pp |
| Employer contribution / active EE | $2,504 | $5,364-53.3% | $5,046-50.4% | $5,055-50.5% |
| Participant deferral / active EE | $11,090 | $8,643+28.3% | $8,276+34.0% | $6,977+59.0% |
| Admin fee / account holder | $3,115 | $18,429-83.1% | $16,712-81.4% | $19,030-83.6% |