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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 | $329,379 | $167,353+96.8% | $143,797+129.1% | $134,545+144.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -10.93% | 0.48%-11.4pp | -0.04%-10.9pp | 418.37%-429.3pp |
| Employer contribution / active EE | $2,548 | $5,620-54.7% | $4,952-48.5% | $4,742-46.3% |
| Participant deferral / active EE | $3,262 | $6,447-49.4% | $5,638-42.2% | $6,401-49.0% |
| Admin fee / account holder | $7,639 | $18,096-57.8% | $14,679-48.0% | $11,431-33.2% |