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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 | $783,227 | $180,459+334.0% | $154,108+408.2% | $135,380+478.5% |
| Participation rate | 85.7% | 87.4%-1.7pp | 83.0%+2.7pp | 82.6%+3.1pp |
| Annual return | -12.81% | 888.21%-901.0pp | 735.21%-748.0pp | 519.81%-532.6pp |
| Employer contribution / active EE | $12,357 | $6,035+104.8% | $5,298+133.3% | $4,779+158.6% |
| Participant deferral / active EE | $24,804 | $5,806+327.2% | $5,081+388.2% | $5,609+342.2% |
| Admin fee / account holder | $88,815 | $16,145+450.1% | $13,411+562.2% | $10,828+720.2% |