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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 | $545,006 | $176,120+209.5% | $159,487+241.7% | $167,553+225.3% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 5.96% | 331.95%-326.0pp | 263.71%-257.8pp | 478.89%-472.9pp |
| Employer contribution / active EE | $25,572 | $5,299+382.6% | $4,831+429.3% | $4,840+428.4% |
| Participant deferral / active EE | $17,701 | $7,752+128.3% | $7,354+140.7% | $6,343+179.1% |
| Admin fee / account holder | $5,594 | $12,561-55.5% | $10,804-48.2% | $12,316-54.6% |