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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 | $929,394 | $213,785+334.7% | $185,441+401.2% | $155,188+498.9% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 15.89% | 19.97%-4.1pp | 20.16%-4.3pp | 148.84%-132.9pp |
| Employer contribution / active EE | $7,050 | $5,393+30.7% | $4,672+50.9% | $4,248+66.0% |
| Participant deferral / active EE | $48,690 | $6,864+609.3% | $6,152+691.5% | $6,531+645.5% |
| Admin fee / account holder | $30,789 | $21,134+45.7% | $17,890+72.1% | $14,480+112.6% |