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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 | $355,979 | $167,362+112.7% | $143,799+147.6% | $134,532+164.6% |
| Participation rate | 93.3% | 84.8%+8.5pp | 80.3%+13.0pp | 81.2%+12.1pp |
| Annual return | -14.76% | 0.47%-15.2pp | -0.04%-14.7pp | 418.27%-433.0pp |
| Employer contribution / active EE | $9,092 | $5,620+61.8% | $4,952+83.6% | $4,741+91.8% |
| Participant deferral / active EE | $6,558 | $6,447+1.7% | $5,638+16.3% | $6,401+2.5% |
| Admin fee / account holder | $22,400 | $18,094+23.8% | $14,677+52.6% | $11,429+96.0% |