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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 | $275,453 | $148,629+85.3% | $135,982+102.6% | $139,487+97.5% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 5.16% | 79.33%-74.2pp | 68.32%-63.2pp | 373.84%-368.7pp |
| Employer contribution / active EE | $7,522 | $5,247+43.4% | $4,859+54.8% | $4,755+58.2% |
| Participant deferral / active EE | $10,800 | $8,102+33.3% | $7,760+39.2% | $6,713+60.9% |
| Admin fee / account holder | $582,228 | $12,406+4593.0% | $10,767+5307.4% | $11,407+5004.0% |