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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 | $389,762 | $142,392+173.7% | $119,622+225.8% | $134,532+189.7% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -12.02% | -12.46%+0.4pp | -14.98%+3.0pp | 418.27%-430.3pp |
| Employer contribution / active EE | $11,697 | $5,224+123.9% | $4,232+176.4% | $4,741+146.7% |
| Participant deferral / active EE | $14,393 | $6,467+122.6% | $5,601+157.0% | $6,401+124.9% |
| Admin fee / account holder | $2,887 | $13,593-78.8% | $10,328-72.1% | $11,429-74.7% |