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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 | $285,563 | $133,998+113.1% | $112,263+154.4% | $134,545+112.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -14.33% | 47.17%-61.5pp | 27.49%-41.8pp | 418.37%-432.7pp |
| Employer contribution / active EE | $15,590 | $4,040+285.9% | $3,636+328.8% | $4,742+228.8% |
| Participant deferral / active EE | $9,558 | $5,292+80.6% | $4,729+102.1% | $6,401+49.3% |
| Admin fee / account holder | $115,379 | $7,493+1439.9% | $6,410+1699.9% | $11,431+909.4% |