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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 | $252,437 | $97,020+160.2% | $83,327+202.9% | $135,380+86.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -2.68% | 12.31%-15.0pp | 10.64%-13.3pp | 519.81%-522.5pp |
| Employer contribution / active EE | $9,829 | $4,144+137.2% | $3,379+190.9% | $4,779+105.7% |
| Participant deferral / active EE | $9,491 | $5,964+59.1% | $5,565+70.5% | $5,609+69.2% |
| Admin fee / account holder | $73,628 | $8,426+773.8% | $7,540+876.4% | $10,828+580.0% |