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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 | $287,573 | $100,938+184.9% | $90,461+217.9% | $158,982+80.9% |
| Participation rate | 83.3% | 75.0%+8.3pp | 72.7%+10.6pp | 82.0%+1.4pp |
| Annual return | -4.48% | 1727.20%-1731.7pp | 1294.76%-1299.2pp | 302.99%-307.5pp |
| Employer contribution / active EE | $13,418 | $3,691+263.5% | $3,264+311.1% | $4,763+181.7% |
| Participant deferral / active EE | $9,717 | $4,350+123.4% | $3,964+145.1% | $5,983+62.4% |
| Admin fee / account holder | $1,446 | $6,510-77.8% | $5,617-74.3% | $11,252-87.1% |