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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 | $251,757 | $131,835+91.0% | $108,582+131.9% | $273,972-8.1% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 5.84% | -91.57%+97.4pp | -51.70%+57.5pp | 41.46%-35.6pp |
| Employer contribution / active EE | $12,534 | $4,913+155.1% | $3,758+233.5% | $4,869+157.4% |
| Participant deferral / active EE | $9,906 | $5,127+93.2% | $4,311+129.8% | $5,287+87.3% |
| Admin fee / account holder | $3,449 | $10,253-66.4% | $7,645-54.9% | $10,133-66.0% |