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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 | $313,336 | $135,956+130.5% | $123,894+152.9% | $273,972+14.4% |
| Participation rate | 93.3% | 84.1%+9.3pp | 81.4%+11.9pp | 83.0%+10.3pp |
| Annual return | 11.03% | 56.63%-45.6pp | 47.52%-36.5pp | 41.46%-30.4pp |
| Employer contribution / active EE | $15,291 | $5,170+195.8% | $4,617+231.2% | $4,869+214.1% |
| Participant deferral / active EE | $9,868 | $6,343+55.6% | $5,984+64.9% | $5,287+86.6% |
| Admin fee / account holder | $1,428 | $9,817-85.5% | $8,357-82.9% | $10,133-85.9% |