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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 | $267,604 | $158,852+68.5% | $121,220+120.8% | $135,380+97.7% |
| Participation rate | 88.2% | 79.3%+8.9pp | 71.8%+16.5pp | 82.6%+5.6pp |
| Annual return | -7.00% | -0.64%-6.4pp | 16.94%-23.9pp | 519.81%-526.8pp |
| Employer contribution / active EE | $4,706 | $5,666-16.9% | $4,023+17.0% | $4,779-1.5% |
| Participant deferral / active EE | $10,470 | $4,006+161.4% | $3,345+213.0% | $5,609+86.7% |
| Admin fee / account holder | $35,304 | $6,515+441.9% | $5,021+603.2% | $10,828+226.0% |