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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 | $422,304 | $150,447+180.7% | $136,298+209.8% | $147,586+186.1% |
| Participation rate | 87.5% | 84.4%+3.1pp | 81.9%+5.6pp | 82.8%+4.7pp |
| Annual return | 9.67% | 1049.15%-1039.5pp | 5156.27%-5146.6pp | 578.59%-568.9pp |
| Employer contribution / active EE | $10,787 | $5,256+105.2% | $4,696+129.7% | $4,876+121.2% |
| Participant deferral / active EE | $8,677 | $6,631+30.9% | $6,247+38.9% | $5,439+59.5% |
| Admin fee / account holder | $28,087 | $10,906+157.5% | $9,244+203.8% | $10,886+158.0% |