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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 | $471,720 | $167,362+181.9% | $143,799+228.0% | $134,532+250.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -11.21% | 0.47%-11.7pp | -0.04%-11.2pp | 418.27%-429.5pp |
| Employer contribution / active EE | $7,917 | $5,620+40.9% | $4,952+59.9% | $4,741+67.0% |
| Participant deferral / active EE | $15,178 | $6,447+135.4% | $5,638+169.2% | $6,401+137.1% |
| Admin fee / account holder | $31,865 | $18,094+76.1% | $14,677+117.1% | $11,429+178.8% |