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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 | $387,891 | $180,749+114.6% | $160,784+141.2% | $137,256+182.6% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 3.29% | 2234.46%-2231.2pp | 1803.92%-1800.6pp | 220.34%-217.0pp |
| Employer contribution / active EE | $26,018 | $4,155+526.1% | $3,733+597.0% | $4,156+526.0% |
| Participant deferral / active EE | $15,500 | $6,844+126.5% | $6,293+146.3% | $6,407+141.9% |
| Admin fee / account holder | $1,645 | $10,397-84.2% | $9,717-83.1% | $12,270-86.6% |