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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 | $385,459 | $154,228+149.9% | $145,433+165.0% | $137,256+180.8% |
| Participation rate | 81.0% | 83.8%-2.8pp | 82.1%-1.2pp | 80.0%+1.0pp |
| Annual return | 28.90% | 74.59%-45.7pp | 66.58%-37.7pp | 220.34%-191.4pp |
| Employer contribution / active EE | $17,240 | $4,804+258.9% | $4,554+278.5% | $4,156+314.8% |
| Participant deferral / active EE | $15,589 | $8,216+89.7% | $7,897+97.4% | $6,407+143.3% |
| Admin fee / account holder | $771 | $14,344-94.6% | $13,129-94.1% | $12,270-93.7% |