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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 | $347,277 | $142,409+143.9% | $119,634+190.3% | $134,545+158.1% |
| Participation rate | 85.7% | 82.8%+2.9pp | 79.3%+6.4pp | 81.2%+4.5pp |
| Annual return | -17.67% | -12.46%-5.2pp | -14.98%-2.7pp | 418.37%-436.0pp |
| Employer contribution / active EE | $18,562 | $5,224+255.3% | $4,232+338.6% | $4,742+291.5% |
| Participant deferral / active EE | $16,216 | $6,468+150.7% | $5,601+189.5% | $6,401+153.3% |
| Admin fee / account holder | $48,022 | $13,594+253.2% | $10,329+364.9% | $11,431+320.1% |