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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 | $250,807 | $78,694+218.7% | $67,652+270.7% | $125,389+100.0% |
| Participation rate | 100.0% | 78.8%+21.2pp | 75.7%+24.3pp | 83.2%+16.8pp |
| Annual return | -0.65% | 9.46%-10.1pp | 6625.40%-6626.0pp | 282.24%-282.9pp |
| Employer contribution / active EE | $6,671 | $3,044+119.2% | $2,266+194.5% | $4,866+37.1% |
| Participant deferral / active EE | $4,373 | $4,292+1.9% | $3,560+22.9% | $5,352-18.3% |
| Admin fee / account holder | $7,319 | $7,403-1.1% | $4,821+51.8% | $9,541-23.3% |