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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 | $430,385 | $102,663+319.2% | $86,216+399.2% | $139,466+208.6% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.0%+31.0pp | 80.3%+19.7pp |
| Annual return | 4.70% | 1924.52%-1919.8pp | 1169.42%-1164.7pp | 373.66%-369.0pp |
| Employer contribution / active EE | $16,498 | $3,035+443.7% | $2,382+592.7% | $4,754+247.0% |
| Participant deferral / active EE | $7,500 | $4,677+60.3% | $3,986+88.2% | $6,712+11.7% |
| Admin fee / account holder | $10,806 | $8,663+24.7% | $6,853+57.7% | $11,409-5.3% |