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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 | $356,290 | $82,324+332.8% | $68,803+417.8% | $134,545+164.8% |
| Participation rate | 100.0% | 75.1%+24.9pp | 69.0%+31.0pp | 81.2%+18.8pp |
| Annual return | -16.77% | -2.17%-14.6pp | -6.37%-10.4pp | 418.37%-435.1pp |
| Employer contribution / active EE | $20,532 | $3,302+521.9% | $2,656+673.1% | $4,742+333.0% |
| Participant deferral / active EE | $5,425 | $4,740+14.5% | $3,942+37.6% | $6,401-15.3% |
| Admin fee / account holder | $1,400 | $6,485-78.4% | $4,936-71.6% | $11,431-87.7% |