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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 | $562,499 | $167,362+236.1% | $143,799+291.2% | $134,532+318.1% |
| Participation rate | 80.0% | 84.8%-4.8pp | 80.3%-0.3pp | 81.2%-1.2pp |
| Annual return | -10.08% | 0.47%-10.6pp | -0.04%-10.0pp | 418.27%-428.3pp |
| Employer contribution / active EE | $23,316 | $5,620+314.8% | $4,952+370.8% | $4,741+391.8% |
| Participant deferral / active EE | $21,560 | $6,447+234.4% | $5,638+282.4% | $6,401+236.8% |
| Admin fee / account holder | $1,632 | $18,094-91.0% | $14,677-88.9% | $11,429-85.7% |