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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 | $508,221 | $160,028+217.6% | $147,080+245.5% | $145,884+248.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 5.99% | 98.60%-92.6pp | 420.17%-414.2pp | 551.85%-545.9pp |
| Employer contribution / active EE | $3,728 | $5,286-29.5% | $4,933-24.4% | $4,662-20.0% |
| Participant deferral / active EE | $14,625 | $8,422+73.7% | $8,066+81.3% | $6,690+118.6% |
| Admin fee / account holder | $13,791 | $15,030-8.2% | $12,989+6.2% | $13,392+3.0% |