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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 | $294,894 | $166,242+77.4% | $165,071+78.6% | $145,884+102.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 4.36% | 100.44%-96.1pp | 70.17%-65.8pp | 551.85%-547.5pp |
| Employer contribution / active EE | $23,130 | $5,283+337.8% | $4,347+432.0% | $4,662+396.1% |
| Participant deferral / active EE | $5,428 | $6,964-22.1% | $6,035-10.1% | $6,690-18.9% |
| Admin fee / account holder | $24,919 | $16,658+49.6% | $12,695+96.3% | $13,392+86.1% |