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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 | $260,862 | $176,077+48.2% | $159,455+63.6% | $167,518+55.7% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.53% | 331.83%-322.3pp | 263.63%-254.1pp | 478.71%-469.2pp |
| Employer contribution / active EE | $10,108 | $5,298+90.8% | $4,830+109.3% | $4,838+108.9% |
| Participant deferral / active EE | $12,493 | $7,751+61.2% | $7,353+69.9% | $6,342+97.0% |
| Admin fee / account holder | $1,319 | $12,556-89.5% | $10,800-87.8% | $12,312-89.3% |