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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 | $403,540 | $180,462+123.6% | $154,111+161.8% | $135,379+198.1% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -2.92% | 888.17%-891.1pp | 735.18%-738.1pp | 519.79%-522.7pp |
| Employer contribution / active EE | $23,805 | $6,036+294.4% | $5,298+349.3% | $4,779+398.1% |
| Participant deferral / active EE | $4,082 | $5,806-29.7% | $5,081-19.7% | $5,609-27.2% |
| Admin fee / account holder | $1,658 | $16,145-89.7% | $13,411-87.6% | $10,828-84.7% |