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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 | $513,945 | $150,447+241.6% | $136,298+277.1% | $147,586+248.2% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 6.37% | 1049.15%-1042.8pp | 5156.27%-5149.9pp | 578.59%-572.2pp |
| Employer contribution / active EE | $9,138 | $5,256+73.8% | $4,696+94.6% | $4,876+87.4% |
| Participant deferral / active EE | $15,457 | $6,631+133.1% | $6,247+147.4% | $5,439+184.2% |
| Admin fee / account holder | $23,491 | $10,906+115.4% | $9,244+154.1% | $10,886+115.8% |