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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 | $265,415 | $129,960+104.2% | $104,299+154.5% | $134,545+97.3% |
| Participation rate | 95.0% | 79.5%+15.5pp | 73.3%+21.7pp | 81.2%+13.8pp |
| Annual return | -10.44% | 42.06%-52.5pp | 24.62%-35.1pp | 418.37%-428.8pp |
| Employer contribution / active EE | $3,716 | $4,186-11.2% | $3,373+10.2% | $4,742-21.6% |
| Participant deferral / active EE | $9,053 | $5,589+62.0% | $4,626+95.7% | $6,401+41.4% |
| Admin fee / account holder | $8,248 | $9,324-11.5% | $7,339+12.4% | $11,431-27.8% |