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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 | $317,285 | $167,353+89.6% | $143,797+120.6% | $134,545+135.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -15.76% | 0.48%-16.2pp | -0.04%-15.7pp | 418.37%-434.1pp |
| Employer contribution / active EE | $7,075 | $5,620+25.9% | $4,952+42.9% | $4,742+49.2% |
| Participant deferral / active EE | $5,311 | $6,447-17.6% | $5,638-5.8% | $6,401-17.0% |
| Admin fee / account holder | $1,556 | $18,096-91.4% | $14,679-89.4% | $11,431-86.4% |