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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 | $275,247 | $83,908+228.0% | $68,509+301.8% | $125,393+119.5% |
| Participation rate | 87.5% | 78.2%+9.3pp | 74.7%+12.8pp | 83.2%+4.3pp |
| Annual return | -1.42% | 14.48%-15.9pp | 8.27%-9.7pp | 282.23%-283.7pp |
| Employer contribution / active EE | $31,827 | $3,031+950.1% | $2,278+1297.2% | $4,866+554.0% |
| Participant deferral / active EE | $17,250 | $4,125+318.2% | $3,382+410.0% | $5,351+222.3% |
| Admin fee / account holder | $1,517 | $8,982-83.1% | $5,275-71.2% | $9,541-84.1% |