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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 | $258,945 | $133,998+93.2% | $112,263+130.7% | $134,545+92.5% |
| Participation rate | 87.5% | 78.6%+8.9pp | 75.1%+12.4pp | 81.2%+6.3pp |
| Annual return | -19.45% | 47.17%-66.6pp | 27.49%-46.9pp | 418.37%-437.8pp |
| Employer contribution / active EE | $21,649 | $4,040+435.8% | $3,636+495.4% | $4,742+356.6% |
| Participant deferral / active EE | $14,295 | $5,292+170.1% | $4,729+202.3% | $6,401+123.3% |
| Admin fee / account holder | $1,516 | $7,493-79.8% | $6,410-76.3% | $11,431-86.7% |