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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 | $563,124 | $168,635+233.9% | $147,617+281.5% | $125,389+349.1% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -4.59% | 77.65%-82.2pp | 61.98%-66.6pp | 282.24%-286.8pp |
| Employer contribution / active EE | $13,318 | $6,252+113.0% | $5,564+139.3% | $4,866+173.7% |
| Participant deferral / active EE | $18,857 | $5,507+242.4% | $4,895+285.2% | $5,352+252.4% |
| Admin fee / account holder | $416 | $13,580-96.9% | $11,612-96.4% | $9,541-95.6% |