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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 | $288,813 | $158,827+81.8% | $121,208+138.3% | $135,382+113.3% |
| Participation rate | 100.0% | 79.3%+20.7pp | 71.8%+28.2pp | 82.6%+17.4pp |
| Annual return | -2.88% | -0.64%-2.2pp | 16.93%-19.8pp | 519.77%-522.6pp |
| Employer contribution / active EE | $18,582 | $5,666+228.0% | $4,023+361.9% | $4,779+288.8% |
| Participant deferral / active EE | $18,500 | $4,006+361.9% | $3,345+453.0% | $5,609+229.8% |
| Admin fee / account holder | $982 | $6,514-84.9% | $5,020-80.4% | $10,829-90.9% |