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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 | $443,127 | $167,353+164.8% | $143,797+208.2% | $134,545+229.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -15.22% | 0.48%-15.7pp | -0.04%-15.2pp | 418.37%-433.6pp |
| Employer contribution / active EE | $9,038 | $5,620+60.8% | $4,952+82.5% | $4,742+90.6% |
| Participant deferral / active EE | $13,290 | $6,447+106.1% | $5,638+135.7% | $6,401+107.6% |
| Admin fee / account holder | $1,093 | $18,096-94.0% | $14,679-92.6% | $11,431-90.4% |