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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 | $495,312 | $100,970+390.6% | $96,576+412.9% | $137,256+260.9% |
| Participation rate | 75.0% | 82.6%-7.6pp | 81.4%-6.4pp | 80.0%-5.0pp |
| Annual return | 13.79% | 38.16%-24.4pp | 38.47%-24.7pp | 220.34%-206.6pp |
| Employer contribution / active EE | $1,406 | $3,809-63.1% | $3,553-60.4% | $4,156-66.2% |
| Participant deferral / active EE | $17,420 | $8,286+110.2% | $7,956+118.9% | $6,407+171.9% |
| Admin fee / account holder | $25,162 | $11,312+122.4% | $11,381+121.1% | $12,270+105.1% |