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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 | $270,910 | $138,078+96.2% | $125,363+116.1% | $134,509+101.4% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -23.06% | 750.49%-773.5pp | 572.15%-595.2pp | 418.13%-441.2pp |
| Employer contribution / active EE | $11,190 | $5,245+113.4% | $4,815+132.4% | $4,741+136.1% |
| Participant deferral / active EE | $10,097 | $7,800+29.5% | $7,447+35.6% | $6,400+57.8% |
| Admin fee / account holder | $1,342 | $11,566-88.4% | $10,005-86.6% | $11,427-88.3% |