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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 | $301,739 | $172,111+75.3% | $150,298+100.8% | $137,256+119.8% |
| Participation rate | 77.8% | 81.7%-3.9pp | 77.8%0pp | 80.0%-2.2pp |
| Annual return | 23.31% | 69.37%-46.1pp | 62.79%-39.5pp | 220.34%-197.0pp |
| Employer contribution / active EE | $12,187 | $4,636+162.9% | $4,154+193.4% | $4,156+193.2% |
| Participant deferral / active EE | $7,428 | $6,166+20.5% | $5,453+36.2% | $6,407+15.9% |
| Admin fee / account holder | $1,151 | $16,471-93.0% | $14,116-91.8% | $12,270-90.6% |