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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 | $465,047 | $129,737+258.5% | $119,126+290.4% | $154,746+200.5% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 4.92% | 379.08%-374.2pp | 282.11%-277.2pp | 172.34%-167.4pp |
| Employer contribution / active EE | $46,500 | $4,375+962.9% | $4,034+1052.8% | $4,379+961.9% |
| Participant deferral / active EE | $34,750 | $5,842+494.8% | $5,318+553.5% | $6,730+416.3% |
| Admin fee / account holder | $3,223 | $11,961-73.1% | $10,693-69.9% | $14,365-77.6% |