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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 | $488,154 | $171,867+184.0% | $149,721+226.0% | $147,586+230.8% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 4.48% | 2113.36%-2108.9pp | 1501.67%-1497.2pp | 578.59%-574.1pp |
| Employer contribution / active EE | $24,376 | $6,275+288.5% | $5,444+347.7% | $4,876+399.9% |
| Participant deferral / active EE | $14,292 | $7,270+96.6% | $6,568+117.6% | $5,439+162.8% |
| Admin fee / account holder | $10,091 | $13,799-26.9% | $11,282-10.6% | $10,886-7.3% |