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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 | $848,805 | $169,336+401.3% | $129,384+556.0% | $145,884+481.8% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.6%+30.4pp | 80.3%+19.7pp |
| Annual return | 5.65% | 14408.70%-14403.1pp | 9461.77%-9456.1pp | 551.85%-546.2pp |
| Employer contribution / active EE | $32,418 | $5,540+485.2% | $4,153+680.6% | $4,662+595.3% |
| Participant deferral / active EE | $17,833 | $4,985+257.7% | $4,166+328.1% | $6,690+166.6% |
| Admin fee / account holder | $5,567 | $9,912-43.8% | $7,686-27.6% | $13,392-58.4% |