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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 | $361,359 | $88,754+307.1% | $81,820+341.7% | $145,877+147.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 7.67% | 1031.77%-1024.1pp | 777.93%-770.3pp | 551.28%-543.6pp |
| Employer contribution / active EE | $10,750 | $3,085+248.4% | $2,915+268.8% | $4,663+130.5% |
| Participant deferral / active EE | $8,750 | $4,648+88.3% | $4,323+102.4% | $6,691+30.8% |
| Admin fee / account holder | $15,147 | $8,424+79.8% | $7,391+104.9% | $13,402+13.0% |