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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 | $344,589 | $138,075+149.6% | $123,552+178.9% | $135,379+154.5% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.34% | 153.70%-160.0pp | 119.20%-125.5pp | 519.79%-526.1pp |
| Employer contribution / active EE | $23,402 | $5,152+354.3% | $4,628+405.7% | $4,779+389.7% |
| Participant deferral / active EE | $13,868 | $6,800+104.0% | $6,426+115.8% | $5,609+147.2% |
| Admin fee / account holder | $772 | $10,917-92.9% | $9,285-91.7% | $10,828-92.9% |