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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 | $288,302 | $112,729+155.7% | $98,716+192.1% | $137,256+110.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 15.02% | 38.48%-23.5pp | 31.81%-16.8pp | 220.34%-205.3pp |
| Employer contribution / active EE | $1,221 | $2,725-55.2% | $2,279-46.4% | $4,156-70.6% |
| Participant deferral / active EE | $9,647 | $4,640+107.9% | $4,048+138.3% | $6,407+50.6% |
| Admin fee / account holder | $12,698 | $10,129+25.4% | $8,703+45.9% | $12,270+3.5% |