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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 | $623,403 | $160,070+289.5% | $147,117+323.7% | $145,897+327.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.32% | 98.69%-89.4pp | 420.54%-411.2pp | 552.29%-543.0pp |
| Employer contribution / active EE | $11,192 | $5,285+111.8% | $4,932+126.9% | $4,663+140.0% |
| Participant deferral / active EE | $12,687 | $8,419+50.7% | $8,065+57.3% | $6,689+89.7% |
| Admin fee / account holder | $128,085 | $15,035+751.9% | $12,993+885.8% | $13,390+856.5% |