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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 | $88,754+543.2% | $81,820+597.7% | $145,877+291.3% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 8.13% | 1031.77%-1023.6pp | 777.93%-769.8pp | 551.28%-543.2pp |
| Employer contribution / active EE | $29,561 | $3,085+858.1% | $2,915+914.1% | $4,663+533.9% |
| Participant deferral / active EE | $13,471 | $4,648+189.9% | $4,323+211.6% | $6,691+101.3% |
| Admin fee / account holder | $11,360 | $8,424+34.9% | $7,391+53.7% | $13,402-15.2% |