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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 | $413,745 | $202,460+104.4% | $169,385+144.3% | $139,456+196.7% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 3.63% | 532.07%-528.4pp | 405.82%-402.2pp | 373.45%-369.8pp |
| Employer contribution / active EE | $25,000 | $4,691+432.9% | $4,012+523.2% | $4,753+426.0% |
| Participant deferral / active EE | $26,250 | $6,938+278.4% | $6,221+322.0% | $6,711+291.1% |
| Admin fee / account holder | $3,879 | $10,719-63.8% | $9,011-57.0% | $11,407-66.0% |