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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 | $291,015 | $176,120+65.2% | $159,487+82.5% | $167,553+73.7% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 5.84% | 331.95%-326.1pp | 263.71%-257.9pp | 478.89%-473.1pp |
| Employer contribution / active EE | $7,200 | $5,299+35.9% | $4,831+49.0% | $4,840+48.8% |
| Participant deferral / active EE | $7,410 | $7,752-4.4% | $7,354+0.8% | $6,343+16.8% |
| Admin fee / account holder | $466 | $12,561-96.3% | $10,804-95.7% | $12,316-96.2% |