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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 | $346,280 | $165,361+109.4% | $149,715+131.3% | $158,950+117.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 3.56% | 348.24%-344.7pp | 276.66%-273.1pp | 302.91%-299.4pp |
| Employer contribution / active EE | $20,290 | $5,103+297.6% | $4,645+336.8% | $4,762+326.1% |
| Participant deferral / active EE | $11,437 | $7,182+59.3% | $6,842+67.2% | $5,983+91.2% |
| Admin fee / account holder | $37,899 | $10,808+250.7% | $9,310+307.1% | $11,248+236.9% |