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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 | $365,578 | $166,131+120.1% | $164,975+121.6% | $145,877+150.6% |
| Participation rate | 85.7% | 82.0%+3.7pp | 78.6%+7.1pp | 80.3%+5.4pp |
| Annual return | 17.17% | 100.37%-83.2pp | 70.12%-53.0pp | 551.28%-534.1pp |
| Employer contribution / active EE | $4,311 | $5,276-18.3% | $4,343-0.7% | $4,663-7.5% |
| Participant deferral / active EE | $20,826 | $6,962+199.1% | $6,033+245.2% | $6,691+211.3% |
| Admin fee / account holder | $4,580 | $16,648-72.5% | $12,688-63.9% | $13,402-65.8% |