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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 | $367,942 | $160,040+129.9% | $147,096+150.1% | $145,877+152.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.74% | 98.49%-89.8pp | 419.75%-411.0pp | 551.28%-542.5pp |
| Employer contribution / active EE | $19,389 | $5,289+266.6% | $4,936+292.8% | $4,663+315.8% |
| Participant deferral / active EE | $16,212 | $8,429+92.3% | $8,071+100.9% | $6,691+142.3% |
| Admin fee / account holder | $3,778 | $15,050-74.9% | $13,005-70.9% | $13,402-71.8% |