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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 | $259,383 | $99,032+161.9% | $80,022+224.1% | $135,379+91.6% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -3.43% | 15.39%-18.8pp | 11.22%-14.6pp | 519.79%-523.2pp |
| Employer contribution / active EE | $19,390 | $3,043+537.1% | $2,468+685.7% | $4,779+305.7% |
| Participant deferral / active EE | $17,503 | $4,282+308.7% | $3,686+374.9% | $5,609+212.0% |
| Admin fee / account holder | $4,717 | $10,436-54.8% | $6,521-27.7% | $10,828-56.4% |