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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 | $312,329 | $157,304+98.6% | $141,197+121.2% | $152,909+104.3% |
| Participation rate | 83.3% | 84.8%-1.5pp | 82.5%+0.9pp | 82.5%+0.9pp |
| Annual return | 18.18% | 64.34%-46.2pp | 71.41%-53.2pp | 345.46%-327.3pp |
| Employer contribution / active EE | $14,901 | $5,263+183.1% | $4,736+214.6% | $4,764+212.8% |
| Participant deferral / active EE | $8,271 | $7,111+16.3% | $6,710+23.3% | $5,851+41.4% |
| Admin fee / account holder | $535 | $12,126-95.6% | $10,265-94.8% | $11,601-95.4% |