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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 | $607,018 | $131,835+360.4% | $108,582+459.0% | $273,972+121.6% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 6.59% | -91.57%+98.2pp | -51.70%+58.3pp | 41.46%-34.9pp |
| Employer contribution / active EE | $18,646 | $4,913+279.6% | $3,758+396.1% | $4,869+283.0% |
| Participant deferral / active EE | $12,000 | $5,127+134.0% | $4,311+178.4% | $5,287+127.0% |
| Admin fee / account holder | $61,294 | $10,253+497.8% | $7,645+701.7% | $10,133+504.9% |