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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 | $265,591 | $150,442+76.5% | $136,295+94.9% | $147,585+80.0% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 7.21% | 1049.09%-1041.9pp | 5155.97%-5148.8pp | 578.56%-571.4pp |
| Employer contribution / active EE | $12,477 | $5,256+137.4% | $4,695+165.7% | $4,876+155.9% |
| Participant deferral / active EE | $10,410 | $6,630+57.0% | $6,247+66.6% | $5,439+91.4% |
| Admin fee / account holder | $1,966 | $10,905-82.0% | $9,243-78.7% | $10,885-81.9% |