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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 | $601,055 | $158,852+278.4% | $121,220+395.8% | $135,380+344.0% |
| Participation rate | 100.0% | 79.3%+20.7pp | 71.8%+28.2pp | 82.6%+17.4pp |
| Annual return | -0.92% | -0.64%-0.3pp | 16.94%-17.9pp | 519.81%-520.7pp |
| Employer contribution / active EE | $5,500 | $5,666-2.9% | $4,023+36.7% | $4,779+15.1% |
| Participant deferral / active EE | $24,500 | $4,006+511.6% | $3,345+632.4% | $5,609+336.8% |
| Admin fee / account holder | $1,350 | $6,515-79.3% | $5,021-73.1% | $10,828-87.5% |