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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 | $353,780 | $131,835+168.4% | $108,582+225.8% | $273,972+29.1% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 8.56% | -91.57%+100.1pp | -51.70%+60.3pp | 41.46%-32.9pp |
| Employer contribution / active EE | $15,885 | $4,913+223.3% | $3,758+322.7% | $4,869+226.3% |
| Participant deferral / active EE | $14,469 | $5,127+182.2% | $4,311+235.6% | $5,287+173.7% |
| Admin fee / account holder | $870 | $10,253-91.5% | $7,645-88.6% | $10,133-91.4% |