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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 | $1,269,368 | $72,446+1652.2% | $67,561+1778.8% | $145,877+770.2% |
| Participation rate | 100.0% | 76.9%+23.1pp | 72.9%+27.1pp | 80.3%+19.7pp |
| Annual return | 6.66% | 7211.98%-7205.3pp | 3525.44%-3518.8pp | 551.28%-544.6pp |
| Employer contribution / active EE | $12,500 | $3,072+306.9% | $2,735+357.1% | $4,663+168.1% |
| Participant deferral / active EE | $30,500 | $4,785+537.5% | $4,003+661.9% | $6,691+355.9% |
| Admin fee / account holder | $9,469 | $5,541+70.9% | $4,006+136.4% | $13,402-29.3% |