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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 | $1,232,002 | $167,362+636.1% | $143,799+756.8% | $134,532+815.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -12.47% | 0.47%-12.9pp | -0.04%-12.4pp | 418.27%-430.7pp |
| Employer contribution / active EE | $21,960 | $5,620+290.7% | $4,952+343.4% | $4,741+363.2% |
| Participant deferral / active EE | $37,720 | $6,447+485.0% | $5,638+569.0% | $6,401+489.3% |
| Admin fee / account holder | $926,114 | $18,094+5018.4% | $14,677+6209.9% | $11,429+8003.5% |