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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 | $351,849 | $96,388+265.0% | $80,627+336.4% | $139,466+152.3% |
| Participation rate | 100.0% | 73.6%+26.4pp | 67.0%+33.0pp | 80.3%+19.7pp |
| Annual return | 6.33% | 1352.08%-1345.8pp | 936.76%-930.4pp | 373.66%-367.3pp |
| Employer contribution / active EE | $14,809 | $3,260+354.3% | $2,723+443.9% | $4,754+211.5% |
| Participant deferral / active EE | $9,941 | $5,224+90.3% | $4,443+123.7% | $6,712+48.1% |
| Admin fee / account holder | $2,851 | $6,603-56.8% | $5,381-47.0% | $11,409-75.0% |