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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 | $392,903 | $160,028+145.5% | $147,080+167.1% | $145,884+169.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 4.95% | 98.60%-93.6pp | 420.17%-415.2pp | 551.85%-546.9pp |
| Employer contribution / active EE | $17,895 | $5,286+238.6% | $4,933+262.7% | $4,662+283.8% |
| Participant deferral / active EE | $10,167 | $8,422+20.7% | $8,066+26.0% | $6,690+52.0% |
| Admin fee / account holder | $4,782 | $15,030-68.2% | $12,989-63.2% | $13,392-64.3% |