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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 | $288,116 | $140,592+104.9% | $123,105+134.0% | $125,389+129.8% |
| Participation rate | 100.0% | 88.2%+11.8pp | 86.8%+13.2pp | 83.2%+16.8pp |
| Annual return | -2.87% | 16.80%-19.7pp | 13.22%-16.1pp | 282.24%-285.1pp |
| Employer contribution / active EE | $12,427 | $6,041+105.7% | $5,151+141.2% | $4,866+155.4% |
| Participant deferral / active EE | $10,639 | $6,980+52.4% | $6,229+70.8% | $5,352+98.8% |
| Admin fee / account holder | $520 | $11,198-95.4% | $9,014-94.2% | $9,541-94.6% |