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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 | $1,064,466 | $167,362+536.0% | $143,799+640.2% | $134,532+691.2% |
| Participation rate | 75.0% | 84.8%-9.8pp | 80.3%-5.3pp | 81.2%-6.2pp |
| Annual return | -14.31% | 0.47%-14.8pp | -0.04%-14.3pp | 418.27%-432.6pp |
| Employer contribution / active EE | $30,250 | $5,620+438.2% | $4,952+510.8% | $4,741+538.0% |
| Participant deferral / active EE | $16,938 | $6,447+162.7% | $5,638+200.4% | $6,401+164.6% |
| Admin fee / account holder | $1,267,052 | $18,094+6902.7% | $14,677+8532.8% | $11,429+10986.7% |