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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 | $570,853 | $88,710+543.5% | $81,783+598.0% | $145,959+291.1% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 8.13% | 1027.26%-1019.1pp | 775.05%-766.9pp | 561.95%-553.8pp |
| Employer contribution / active EE | $29,561 | $3,083+858.8% | $2,913+914.9% | $4,661+534.2% |
| Participant deferral / active EE | $13,471 | $4,645+190.0% | $4,320+211.8% | $6,689+101.4% |
| Admin fee / account holder | $11,360 | $8,407+35.1% | $7,380+53.9% | $13,398-15.2% |