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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 | $582,860 | $185,312+214.5% | $161,489+260.9% | $154,746+276.7% |
| Participation rate | 83.3% | 82.5%+0.9pp | 78.7%+4.6pp | 80.7%+2.6pp |
| Annual return | 17.40% | 103.84%-86.4pp | 89.72%-72.3pp | 172.34%-154.9pp |
| Employer contribution / active EE | $19,798 | $4,769+315.1% | $4,268+363.8% | $4,379+352.1% |
| Participant deferral / active EE | $18,522 | $6,350+191.7% | $5,630+229.0% | $6,730+175.2% |
| Admin fee / account holder | $6,233 | $18,654-66.6% | $16,006-61.1% | $14,365-56.6% |