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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 | $315,524 | $138,114+128.5% | $125,391+151.6% | $134,545+134.5% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -24.39% | 750.88%-775.3pp | 572.41%-596.8pp | 418.37%-442.8pp |
| Employer contribution / active EE | $8,528 | $5,246+62.6% | $4,816+77.1% | $4,742+79.9% |
| Participant deferral / active EE | $23,200 | $7,801+197.4% | $7,448+211.5% | $6,401+262.4% |
| Admin fee / account holder | $2,008 | $11,570-82.6% | $10,009-79.9% | $11,431-82.4% |