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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 | $256,744 | $150,447+70.7% | $136,298+88.4% | $147,586+74.0% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 10.32% | 1049.15%-1038.8pp | 5156.27%-5146.0pp | 578.59%-568.3pp |
| Employer contribution / active EE | $5,716 | $5,256+8.8% | $4,696+21.7% | $4,876+17.2% |
| Participant deferral / active EE | $7,064 | $6,631+6.5% | $6,247+13.1% | $5,439+29.9% |
| Admin fee / account holder | $9,778 | $10,906-10.3% | $9,244+5.8% | $10,886-10.2% |