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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 | $521,068 | $150,447+246.3% | $136,298+282.3% | $147,586+253.1% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 9.58% | 1049.15%-1039.6pp | 5156.27%-5146.7pp | 578.59%-569.0pp |
| Employer contribution / active EE | $3,571 | $5,256-32.1% | $4,696-24.0% | $4,876-26.8% |
| Participant deferral / active EE | $16,869 | $6,631+154.4% | $6,247+170.0% | $5,439+210.2% |
| Admin fee / account holder | $15,085 | $10,906+38.3% | $9,244+63.2% | $10,886+38.6% |