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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 | $289,208 | $138,072+109.5% | $123,549+134.1% | $135,382+113.6% |
| Participation rate | 83.3% | 84.7%-1.4pp | 82.3%+1.0pp | 82.6%+0.7pp |
| Annual return | -5.62% | 153.69%-159.3pp | 119.20%-124.8pp | 519.77%-525.4pp |
| Employer contribution / active EE | $12,910 | $5,152+150.6% | $4,628+179.0% | $4,779+170.2% |
| Participant deferral / active EE | $9,145 | $6,799+34.5% | $6,426+42.3% | $5,609+63.0% |
| Admin fee / account holder | $604 | $10,917-94.5% | $9,284-93.5% | $10,829-94.4% |