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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 | $315,962 | $160,040+97.4% | $147,096+114.8% | $145,877+116.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 4.06% | 98.49%-94.4pp | 419.75%-415.7pp | 551.28%-547.2pp |
| Employer contribution / active EE | $8,948 | $5,289+69.2% | $4,936+81.3% | $4,663+91.9% |
| Participant deferral / active EE | $18,425 | $8,429+118.6% | $8,071+128.3% | $6,691+175.4% |
| Admin fee / account holder | $4,609 | $15,050-69.4% | $13,005-64.6% | $13,402-65.6% |