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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 | $398,577 | $102,595+288.5% | $94,057+323.8% | $154,746+157.6% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 7.85% | 583.42%-575.6pp | 480.62%-472.8pp | 172.34%-164.5pp |
| Employer contribution / active EE | $12,209 | $3,147+287.9% | $2,933+316.2% | $4,379+178.8% |
| Participant deferral / active EE | $21,940 | $5,118+328.7% | $4,709+365.9% | $6,730+226.0% |
| Admin fee / account holder | $2,805 | $7,736-63.7% | $7,244-61.3% | $14,365-80.5% |