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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 | $743,901 | $176,105+322.4% | $159,474+366.5% | $167,536+344.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.15% | 331.91%-322.8pp | 263.68%-254.5pp | 478.82%-469.7pp |
| Employer contribution / active EE | $16,146 | $5,299+204.7% | $4,831+234.2% | $4,839+233.6% |
| Participant deferral / active EE | $19,125 | $7,751+146.7% | $7,353+160.1% | $6,342+201.6% |
| Admin fee / account holder | $2,919 | $12,559-76.8% | $10,802-73.0% | $12,315-76.3% |