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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 | $330,456 | $167,504+97.3% | $151,628+117.9% | $134,509+145.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -18.12% | 7.81%-25.9pp | 3.34%-21.5pp | 418.13%-436.3pp |
| Employer contribution / active EE | $39,048 | $6,828+471.9% | $6,165+533.4% | $4,741+723.7% |
| Participant deferral / active EE | $19,167 | $8,985+113.3% | $8,363+129.2% | $6,400+199.5% |
| Admin fee / account holder | $1,010 | $13,779-92.7% | $11,613-91.3% | $11,427-91.2% |