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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 | $412,938 | $160,028+158.0% | $147,080+180.8% | $145,884+183.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.55% | 98.60%-89.1pp | 420.17%-410.6pp | 551.85%-542.3pp |
| Employer contribution / active EE | $7,199 | $5,286+36.2% | $4,933+45.9% | $4,662+54.4% |
| Participant deferral / active EE | $28,194 | $8,422+234.8% | $8,066+249.5% | $6,690+321.5% |
| Admin fee / account holder | $413 | $15,030-97.3% | $12,989-96.8% | $13,392-96.9% |