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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 | $259,594 | $97,732+165.6% | $83,831+209.7% | $135,380+91.8% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -11.01% | 1287.56%-1298.6pp | 850.99%-862.0pp | 519.81%-530.8pp |
| Employer contribution / active EE | $21,000 | $4,222+397.4% | $3,631+478.3% | $4,779+339.4% |
| Participant deferral / active EE | $7,996 | $4,683+70.8% | $4,082+95.9% | $5,609+42.6% |
| Admin fee / account holder | $14,964 | $6,675+124.2% | $5,479+173.1% | $10,828+38.2% |