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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 | $323,980 | $99,032+227.1% | $80,022+304.9% | $135,380+139.3% |
| Participation rate | 83.3% | 78.4%+5.0pp | 75.8%+7.5pp | 82.6%+0.7pp |
| Annual return | -8.15% | 15.39%-23.5pp | 11.22%-19.4pp | 519.81%-528.0pp |
| Employer contribution / active EE | $1,115 | $3,043-63.4% | $2,468-54.8% | $4,779-76.7% |
| Participant deferral / active EE | $8,827 | $4,282+106.1% | $3,686+139.5% | $5,609+57.4% |
| Admin fee / account holder | $4,158 | $10,436-60.2% | $6,521-36.2% | $10,828-61.6% |