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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 | $322,204 | $75,962+324.2% | $154,108+109.1% | $64,173+402.1% |
| Participation rate | 92.3% | 70.4%+21.9pp | 83.0%+9.3pp | 69.6%+22.7pp |
| Annual return | -7.00% | 30.32%-37.3pp | 735.21%-742.2pp | 7.63%-14.6pp |
| Employer contribution / active EE | $24,976 | $3,350+645.6% | $5,298+371.5% | $2,381+949.0% |
| Participant deferral / active EE | $8,316 | $3,175+161.9% | $5,081+63.7% | $3,470+139.7% |
| Admin fee / account holder | $895 | $5,589-84.0% | $13,411-93.3% | $4,887-81.7% |