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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 | $323,799 | $183,592+76.4% | $155,574+108.1% | $145,877+122.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 3.26% | 61.37%-58.1pp | 64.87%-61.6pp | 551.28%-548.0pp |
| Employer contribution / active EE | $7,518 | $5,317+41.4% | $4,676+60.8% | $4,663+61.2% |
| Participant deferral / active EE | $8,411 | $6,466+30.1% | $5,629+49.4% | $6,691+25.7% |
| Admin fee / account holder | $333,361 | $19,316+1625.8% | $15,914+1994.7% | $13,402+2387.4% |