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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 | $522,883 | $95,915+445.2% | $79,580+557.1% | $134,532+288.7% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -14.59% | -2.71%-11.9pp | 0.15%-14.7pp | 418.27%-432.9pp |
| Employer contribution / active EE | $7,271 | $3,129+132.4% | $2,413+201.3% | $4,741+53.4% |
| Participant deferral / active EE | $14,302 | $4,693+204.7% | $3,985+258.9% | $6,401+123.4% |
| Admin fee / account holder | $136,404 | $9,132+1393.7% | $6,835+1895.7% | $11,429+1093.5% |