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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 | $385,137 | $88,754+333.9% | $81,820+370.7% | $145,877+164.0% |
| Participation rate | 85.7% | 75.1%+10.6pp | 72.4%+13.3pp | 80.3%+5.4pp |
| Annual return | 7.36% | 1031.77%-1024.4pp | 777.93%-770.6pp | 551.28%-543.9pp |
| Employer contribution / active EE | $10,000 | $3,085+224.1% | $2,915+243.1% | $4,663+114.5% |
| Participant deferral / active EE | $9,121 | $4,648+96.3% | $4,323+111.0% | $6,691+36.3% |
| Admin fee / account holder | $1,951 | $8,424-76.8% | $7,391-73.6% | $13,402-85.4% |