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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 | $369,056 | $104,953+251.6% | $84,637+336.0% | $152,909+141.4% |
| Participation rate | 100.0% | 74.8%+25.2pp | 68.2%+31.8pp | 82.5%+17.5pp |
| Annual return | 1.85% | 373.94%-372.1pp | 258.82%-257.0pp | 345.46%-343.6pp |
| Employer contribution / active EE | $12,806 | $3,304+287.6% | $2,653+382.7% | $4,764+168.8% |
| Participant deferral / active EE | $9,233 | $4,691+96.8% | $3,900+136.7% | $5,851+57.8% |
| Admin fee / account holder | $9,678 | $6,244+55.0% | $4,914+96.9% | $11,601-16.6% |