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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 | $330,257 | $131,835+150.5% | $108,582+204.2% | $273,972+20.5% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 10.54% | -91.57%+102.1pp | -51.70%+62.2pp | 41.46%-30.9pp |
| Employer contribution / active EE | $12,937 | $4,913+163.3% | $3,758+244.2% | $4,869+165.7% |
| Participant deferral / active EE | $18,800 | $5,127+266.7% | $4,311+336.1% | $5,287+255.6% |
| Admin fee / account holder | $3,100 | $10,253-69.8% | $7,645-59.5% | $10,133-69.4% |