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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 | $559,462 | $142,392+292.9% | $119,622+367.7% | $134,532+315.9% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -17.55% | -12.46%-5.1pp | -14.98%-2.6pp | 418.27%-435.8pp |
| Employer contribution / active EE | $21,625 | $5,224+314.0% | $4,232+411.0% | $4,741+356.1% |
| Participant deferral / active EE | $17,212 | $6,467+166.1% | $5,601+207.3% | $6,401+168.9% |
| Admin fee / account holder | $348 | $13,593-97.4% | $10,328-96.6% | $11,429-97.0% |