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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 | $380,036 | $82,324+361.6% | $68,803+452.4% | $134,545+182.5% |
| Participation rate | 100.0% | 75.1%+24.9pp | 69.0%+31.0pp | 81.2%+18.8pp |
| Annual return | -17.01% | -2.17%-14.8pp | -6.37%-10.6pp | 418.37%-435.4pp |
| Employer contribution / active EE | $15,109 | $3,302+357.6% | $2,656+468.9% | $4,742+218.6% |
| Participant deferral / active EE | $28,143 | $4,740+493.8% | $3,942+614.0% | $6,401+339.7% |
| Admin fee / account holder | $45,669 | $6,485+604.2% | $4,936+825.3% | $11,431+299.5% |