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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 | $312,030 | $209,874+48.7% | $189,537+64.6% | $167,536+86.2% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | -0.68% | 748.61%-749.3pp | 555.34%-556.0pp | 478.82%-479.5pp |
| Employer contribution / active EE | $2,767 | $6,913-60.0% | $6,161-55.1% | $4,839-42.8% |
| Participant deferral / active EE | $9,302 | $8,934+4.1% | $8,220+13.2% | $6,342+46.7% |
| Admin fee / account holder | $69,914 | $14,299+388.9% | $12,048+480.3% | $12,315+467.7% |