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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 | $321,057 | $92,743+246.2% | $82,744+288.0% | $134,532+138.6% |
| Participation rate | 93.8% | 75.2%+18.5pp | 72.6%+21.2pp | 81.2%+12.5pp |
| Annual return | -13.28% | 946.63%-959.9pp | 702.22%-715.5pp | 418.27%-431.5pp |
| Employer contribution / active EE | $5,451 | $3,273+66.6% | $3,008+81.2% | $4,741+15.0% |
| Participant deferral / active EE | $10,987 | $4,802+128.8% | $4,395+150.0% | $6,401+71.6% |
| Admin fee / account holder | $1,802 | $5,977-69.9% | $5,325-66.2% | $11,429-84.2% |