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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 | $614,383 | $185,225+231.7% | $142,898+329.9% | $167,536+266.7% |
| Participation rate | 100.0% | 78.5%+21.5pp | 72.0%+28.0pp | 82.1%+17.9pp |
| Annual return | -3.14% | 8558.12%-8561.3pp | 5639.64%-5642.8pp | 478.82%-482.0pp |
| Employer contribution / active EE | $19,754 | $5,607+252.3% | $4,146+376.5% | $4,839+308.2% |
| Participant deferral / active EE | $20,350 | $4,496+352.7% | $3,838+430.2% | $6,342+220.9% |
| Admin fee / account holder | $6,293 | $8,032-21.7% | $6,560-4.1% | $12,315-48.9% |