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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 | $290,432 | $134,001+116.7% | $112,258+158.7% | $134,509+115.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -19.68% | 47.15%-66.8pp | 27.47%-47.1pp | 418.13%-437.8pp |
| Employer contribution / active EE | $23,745 | $4,039+487.8% | $3,636+553.1% | $4,741+400.9% |
| Participant deferral / active EE | $20,750 | $5,291+292.2% | $4,728+338.8% | $6,400+224.2% |
| Admin fee / account holder | $1,466 | $7,491-80.4% | $6,411-77.1% | $11,427-87.2% |