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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 | $355,210 | $167,362+112.2% | $143,799+147.0% | $134,532+164.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.56% | 0.47%-17.0pp | -0.04%-16.5pp | 418.27%-434.8pp |
| Employer contribution / active EE | $19,065 | $5,620+239.2% | $4,952+285.0% | $4,741+302.1% |
| Participant deferral / active EE | $21,897 | $6,447+239.6% | $5,638+288.3% | $6,401+242.1% |
| Admin fee / account holder | $57,913 | $18,094+220.1% | $14,677+294.6% | $11,429+406.7% |