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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 | $307,217 | $181,896+68.9% | $156,551+96.2% | $273,972+12.1% |
| Participation rate | 90.0% | 88.4%+1.6pp | 84.0%+6.0pp | 83.0%+7.0pp |
| Annual return | 9.07% | 30.74%-21.7pp | 32.23%-23.2pp | 41.46%-32.4pp |
| Employer contribution / active EE | $12,015 | $6,248+92.3% | $5,501+118.4% | $4,869+146.8% |
| Participant deferral / active EE | $13,150 | $5,550+136.9% | $4,871+170.0% | $5,287+148.7% |
| Admin fee / account holder | $1,223 | $15,560-92.1% | $13,028-90.6% | $10,133-87.9% |