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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 | $293,946 | $109,905+167.5% | $98,506+198.4% | $167,553+75.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 6.39% | 1960.20%-1953.8pp | 1494.92%-1488.5pp | 478.89%-472.5pp |
| Employer contribution / active EE | $7,396 | $3,226+129.3% | $2,961+149.7% | $4,840+52.8% |
| Participant deferral / active EE | $14,230 | $4,674+204.4% | $4,277+232.7% | $6,343+124.4% |
| Admin fee / account holder | $10,233 | $6,760+51.4% | $5,955+71.9% | $12,316-16.9% |