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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 | $288,225 | $110,379+161.1% | $102,412+181.4% | $145,884+97.6% |
| Participation rate | 93.3% | 77.9%+15.4pp | 74.5%+18.8pp | 80.3%+13.0pp |
| Annual return | 21.89% | 24.84%-3.0pp | 24.94%-3.1pp | 551.85%-530.0pp |
| Employer contribution / active EE | $2,650 | $4,216-37.1% | $3,870-31.5% | $4,662-43.2% |
| Participant deferral / active EE | $4,589 | $5,622-18.4% | $5,060-9.3% | $6,690-31.4% |
| Admin fee / account holder | $15,280 | $9,745+56.8% | $8,388+82.2% | $13,392+14.1% |