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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 | $271,330 | $87,546+209.9% | $75,784+258.0% | $125,389+116.4% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -0.76% | 13.49%-14.2pp | 9.68%-10.4pp | 282.24%-283.0pp |
| Employer contribution / active EE | $10,000 | $3,930+154.4% | $3,323+200.9% | $4,866+105.5% |
| Participant deferral / active EE | $9,013 | $4,230+113.1% | $3,652+146.8% | $5,352+68.4% |
| Admin fee / account holder | $23,580 | $6,503+262.6% | $5,300+344.9% | $9,541+147.1% |