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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 | $367,588 | $176,077+108.8% | $159,455+130.5% | $167,518+119.4% |
| Participation rate | 85.7% | 84.9%+0.8pp | 82.8%+2.9pp | 82.1%+3.6pp |
| Annual return | 9.16% | 331.83%-322.7pp | 263.63%-254.5pp | 478.71%-469.6pp |
| Employer contribution / active EE | $6,405 | $5,298+20.9% | $4,830+32.6% | $4,838+32.4% |
| Participant deferral / active EE | $12,705 | $7,751+63.9% | $7,353+72.8% | $6,342+100.3% |
| Admin fee / account holder | $10,492 | $12,556-16.4% | $10,800-2.9% | $12,312-14.8% |