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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 | $265,413 | $127,100+108.8% | $105,738+151.0% | $135,382+96.0% |
| Participation rate | 83.3% | 82.7%+0.6pp | 76.3%+7.0pp | 82.6%+0.7pp |
| Annual return | -6.15% | 4.49%-10.6pp | 6.27%-12.4pp | 519.77%-525.9pp |
| Employer contribution / active EE | $15,479 | $4,107+276.9% | $3,268+373.6% | $4,779+223.9% |
| Participant deferral / active EE | $5,682 | $5,064+12.2% | $4,080+39.3% | $5,609+1.3% |
| Admin fee / account holder | $2,176 | $9,087-76.1% | $6,913-68.5% | $10,829-79.9% |