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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $305,324 | $202,345+50.9% | $172,755+76.7% | $152,885+99.7% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 12.12% | 1029.77%-1017.7pp | 802.94%-790.8pp | 345.39%-333.3pp |
| Employer contribution / active EE | $13,279 | $5,858+126.7% | $5,144+158.1% | $4,763+178.8% |
| Participant deferral / active EE | $11,122 | $5,948+87.0% | $5,198+114.0% | $5,851+90.1% |
| Admin fee / account holder | $3,155 | $17,111-81.6% | $13,955-77.4% | $11,598-72.8% |