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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 | $320,700 | $97,020+230.6% | $83,322+284.9% | $135,379+136.9% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -6.99% | 12.31%-19.3pp | 10.64%-17.6pp | 519.79%-526.8pp |
| Employer contribution / active EE | $15,634 | $4,144+277.3% | $3,379+362.7% | $4,779+227.1% |
| Participant deferral / active EE | $13,528 | $5,964+126.8% | $5,565+143.1% | $5,609+141.2% |
| Admin fee / account holder | $3,435 | $8,426-59.2% | $7,540-54.4% | $10,828-68.3% |