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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 | $386,615 | $75,962+409.0% | $154,108+150.9% | $64,173+502.5% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -7.05% | 30.32%-37.4pp | 735.21%-742.3pp | 7.63%-14.7pp |
| Employer contribution / active EE | $23,041 | $3,350+587.8% | $5,298+334.9% | $2,381+867.8% |
| Participant deferral / active EE | $12,470 | $3,175+292.8% | $5,081+145.4% | $3,470+259.4% |
| Admin fee / account holder | $6,604 | $5,589+18.2% | $13,411-50.8% | $4,887+35.1% |