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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 | $307,107 | $165,361+85.7% | $149,715+105.1% | $158,950+93.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 2.48% | 348.24%-345.8pp | 276.66%-274.2pp | 302.91%-300.4pp |
| Employer contribution / active EE | $41,813 | $5,103+719.3% | $4,645+800.2% | $4,762+778.1% |
| Participant deferral / active EE | $9,800 | $7,182+36.5% | $6,842+43.2% | $5,983+63.8% |
| Admin fee / account holder | $928 | $10,808-91.4% | $9,310-90.0% | $11,248-91.7% |