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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 | $783,032 | $88,778+782.0% | $81,844+856.7% | $145,884+436.8% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 4.77% | 1033.03%-1028.3pp | 778.87%-774.1pp | 551.85%-547.1pp |
| Employer contribution / active EE | $29,954 | $3,087+870.3% | $2,916+927.1% | $4,662+542.5% |
| Participant deferral / active EE | $31,120 | $4,648+569.5% | $4,323+619.8% | $6,690+365.2% |
| Admin fee / account holder | $217,385 | $8,430+2478.6% | $7,355+2855.4% | $13,392+1523.3% |