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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 | $266,392 | $143,969+85.0% | $199,883+33.3% | $82,637+222.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 86.8%+13.2pp | 68.1%+31.9pp |
| Annual return | 29.35% | 25.67%+3.7pp | 43.81%-14.5pp | 53.51%-24.2pp |
| Employer contribution / active EE | $35,031 | $4,632+656.2% | $6,261+459.5% | $2,552+1272.6% |
| Participant deferral / active EE | $25,150 | $6,937+262.6% | $9,138+175.2% | $4,126+509.5% |
| Admin fee / account holder | $967 | $14,597-93.4% | $17,268-94.4% | $7,339-86.8% |