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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 | $416,739 | $138,072+201.8% | $123,549+237.3% | $135,382+207.8% |
| Participation rate | 85.7% | 84.7%+1.0pp | 82.3%+3.4pp | 82.6%+3.1pp |
| Annual return | -7.20% | 153.69%-160.9pp | 119.20%-126.4pp | 519.77%-527.0pp |
| Employer contribution / active EE | $12,503 | $5,152+142.7% | $4,628+170.2% | $4,779+161.6% |
| Participant deferral / active EE | $13,132 | $6,799+93.1% | $6,426+104.4% | $5,609+134.1% |
| Admin fee / account holder | $1,875 | $10,917-82.8% | $9,284-79.8% | $10,829-82.7% |