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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 | $390,216 | $73,863+428.3% | $143,797+171.4% | $68,490+469.7% |
| Participation rate | 96.0% | 66.7%+29.3pp | 80.3%+15.7pp | 67.9%+28.1pp |
| Annual return | -14.25% | 0.91%-15.2pp | -0.04%-14.2pp | -7.85%-6.4pp |
| Employer contribution / active EE | $6,644 | $3,185+108.6% | $4,952+34.2% | $2,597+155.9% |
| Participant deferral / active EE | $6,536 | $3,385+93.1% | $5,638+15.9% | $4,028+62.3% |
| Admin fee / account holder | $1,444 | $5,756-74.9% | $14,679-90.2% | $5,403-73.3% |