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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 | $649,238 | $160,070+305.6% | $147,117+341.3% | $145,897+345.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 1.94% | 98.69%-96.7pp | 420.54%-418.6pp | 552.29%-550.3pp |
| Employer contribution / active EE | $9,657 | $5,285+82.7% | $4,932+95.8% | $4,663+107.1% |
| Participant deferral / active EE | $20,933 | $8,419+148.6% | $8,065+159.6% | $6,689+212.9% |
| Admin fee / account holder | $20,007 | $15,035+33.1% | $12,993+54.0% | $13,390+49.4% |