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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 | $261,445 | $112,729+131.9% | $98,716+164.8% | $137,256+90.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 15.15% | 38.48%-23.3pp | 31.81%-16.7pp | 220.34%-205.2pp |
| Employer contribution / active EE | $12,774 | $2,725+368.7% | $2,279+460.6% | $4,156+207.3% |
| Participant deferral / active EE | $2,797 | $4,640-39.7% | $4,048-30.9% | $6,407-56.4% |
| Admin fee / account holder | $2,385 | $10,129-76.5% | $8,703-72.6% | $12,270-80.6% |