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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 | $587,176 | $175,646+234.3% | $129,118+354.8% | $134,532+336.5% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.2%+22.8pp | 81.2%+18.8pp |
| Annual return | -12.54% | -11.39%-1.2pp | -10.94%-1.6pp | 418.27%-430.8pp |
| Employer contribution / active EE | $35,431 | $6,355+457.5% | $5,051+601.4% | $4,741+647.3% |
| Participant deferral / active EE | $27,000 | $7,970+238.7% | $6,539+312.9% | $6,401+321.8% |
| Admin fee / account holder | $2,392 | $23,578-89.9% | $14,305-83.3% | $11,429-79.1% |