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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 | $360,966 | $142,361+153.6% | $119,608+201.8% | $134,509+168.4% |
| Participation rate | 70.0% | 82.8%-12.8pp | 79.3%-9.3pp | 81.2%-11.2pp |
| Annual return | -15.81% | -12.46%-3.3pp | -14.98%-0.8pp | 418.13%-433.9pp |
| Employer contribution / active EE | $2,475 | $5,224-52.6% | $4,232-41.5% | $4,741-47.8% |
| Participant deferral / active EE | $12,530 | $6,468+93.7% | $5,601+123.7% | $6,400+95.8% |
| Admin fee / account holder | $15,187 | $13,588+11.8% | $10,326+47.1% | $11,427+32.9% |