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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 | $1,058,130 | $197,625+435.4% | $177,840+495.0% | $158,966+565.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | -0.94% | 58.76%-59.7pp | 48.32%-49.3pp | 302.95%-303.9pp |
| Employer contribution / active EE | $11,096 | $6,698+65.7% | $5,919+87.5% | $4,762+133.0% |
| Participant deferral / active EE | $12,582 | $8,405+49.7% | $7,714+63.1% | $5,983+110.3% |
| Admin fee / account holder | $7,765 | $15,405-49.6% | $12,431-37.5% | $11,250-31.0% |