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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 | $376,947 | $138,114+172.9% | $125,391+200.6% | $134,545+180.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -22.09% | 750.88%-773.0pp | 572.41%-594.5pp | 418.37%-440.5pp |
| Employer contribution / active EE | $10,608 | $5,246+102.2% | $4,816+120.3% | $4,742+123.7% |
| Participant deferral / active EE | $13,032 | $7,801+67.1% | $7,448+75.0% | $6,401+103.6% |
| Admin fee / account holder | $1,228 | $11,570-89.4% | $10,009-87.7% | $11,431-89.3% |