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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 | $418,480 | $150,446+178.2% | $136,297+207.0% | $147,585+183.6% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 10.38% | 1049.14%-1038.8pp | 5156.19%-5145.8pp | 578.58%-568.2pp |
| Employer contribution / active EE | $14,175 | $5,256+169.7% | $4,696+201.9% | $4,876+190.7% |
| Participant deferral / active EE | $6,974 | $6,631+5.2% | $6,247+11.6% | $5,439+28.2% |
| Admin fee / account holder | $146,151 | $10,906+1240.1% | $9,244+1481.1% | $10,886+1242.6% |