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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 | $387,790 | $138,076+180.9% | $123,553+213.9% | $135,380+186.4% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.76% | 153.70%-160.5pp | 119.21%-126.0pp | 519.81%-526.6pp |
| Employer contribution / active EE | $17,401 | $5,152+237.8% | $4,628+276.0% | $4,779+264.1% |
| Participant deferral / active EE | $14,600 | $6,800+114.7% | $6,426+127.2% | $5,609+160.3% |
| Admin fee / account holder | $6,451 | $10,917-40.9% | $9,284-30.5% | $10,828-40.4% |