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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 | $583,900 | $167,353+248.9% | $143,797+306.1% | $134,545+334.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -19.29% | 0.48%-19.8pp | -0.04%-19.3pp | 418.37%-437.7pp |
| Employer contribution / active EE | $31,071 | $5,620+452.8% | $4,952+527.4% | $4,742+555.3% |
| Participant deferral / active EE | $17,464 | $6,447+170.9% | $5,638+209.7% | $6,401+172.8% |
| Admin fee / account holder | $6,963 | $18,096-61.5% | $14,679-52.6% | $11,431-39.1% |