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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 | $560,043 | $129,737+331.7% | $119,126+370.1% | $154,746+261.9% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 7.20% | 379.08%-371.9pp | 282.11%-274.9pp | 172.34%-165.1pp |
| Employer contribution / active EE | $6,049 | $4,375+38.3% | $4,034+50.0% | $4,379+38.1% |
| Participant deferral / active EE | $10,625 | $5,842+81.9% | $5,318+99.8% | $6,730+57.9% |
| Admin fee / account holder | $5,036 | $11,961-57.9% | $10,693-52.9% | $14,365-64.9% |