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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 | $306,565 | $160,070+91.5% | $147,117+108.4% | $145,897+110.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.70% | 98.69%-91.0pp | 420.54%-412.8pp | 552.29%-544.6pp |
| Employer contribution / active EE | $3,207 | $5,285-39.3% | $4,932-35.0% | $4,663-31.2% |
| Participant deferral / active EE | $11,513 | $8,419+36.7% | $8,065+42.8% | $6,689+72.1% |
| Admin fee / account holder | $854 | $15,035-94.3% | $12,993-93.4% | $13,390-93.6% |