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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 | $664,274 | $124,187+434.9% | $108,410+512.7% | $167,518+296.5% |
| Participation rate | 100.0% | 82.3%+17.7pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 3.78% | 1379.80%-1376.0pp | 905.34%-901.6pp | 478.71%-474.9pp |
| Employer contribution / active EE | $7,828 | $4,187+87.0% | $3,558+120.0% | $4,838+61.8% |
| Participant deferral / active EE | $18,428 | $6,908+166.8% | $6,562+180.8% | $6,342+190.6% |
| Admin fee / account holder | $64,138 | $9,456+578.3% | $7,296+779.1% | $12,312+420.9% |