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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 | $253,068 | $226,105+11.9% | $182,540+38.6% | $152,897+65.5% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 0.18% | 192.58%-192.4pp | 148.58%-148.4pp | 345.43%-345.2pp |
| Employer contribution / active EE | $20,000 | $4,978+301.7% | $4,076+390.7% | $4,764+319.9% |
| Participant deferral / active EE | $22,000 | $6,370+245.4% | $5,525+298.2% | $5,851+276.0% |
| Admin fee / account holder | $2,938 | $10,706-72.6% | $8,593-65.8% | $11,599-74.7% |