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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 | $635,722 | $172,111+269.4% | $150,298+323.0% | $137,256+363.2% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 17.50% | 69.37%-51.9pp | 62.79%-45.3pp | 220.34%-202.8pp |
| Employer contribution / active EE | $16,021 | $4,636+245.6% | $4,154+285.7% | $4,156+285.5% |
| Participant deferral / active EE | $9,445 | $6,166+53.2% | $5,453+73.2% | $6,407+47.4% |
| Admin fee / account holder | $31,289 | $16,471+90.0% | $14,116+121.7% | $12,270+155.0% |