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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 | $314,571 | $160,028+96.6% | $147,080+113.9% | $145,884+115.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.71% | 98.60%-89.9pp | 420.17%-411.5pp | 551.85%-543.1pp |
| Employer contribution / active EE | $5,940 | $5,286+12.4% | $4,933+20.4% | $4,662+27.4% |
| Participant deferral / active EE | $28,600 | $8,422+239.6% | $8,066+254.6% | $6,690+327.5% |
| Admin fee / account holder | $2,104 | $15,030-86.0% | $12,989-83.8% | $13,392-84.3% |