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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 | $337,344 | $138,075+144.3% | $123,552+173.0% | $135,379+149.2% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -5.35% | 153.70%-159.1pp | 119.20%-124.6pp | 519.79%-525.1pp |
| Employer contribution / active EE | $19,730 | $5,152+283.0% | $4,628+326.3% | $4,779+312.9% |
| Participant deferral / active EE | $17,732 | $6,800+160.8% | $6,426+175.9% | $5,609+216.1% |
| Admin fee / account holder | $29,695 | $10,917+172.0% | $9,285+219.8% | $10,828+174.2% |