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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 | $1,433,759 | $223,823+540.6% | $211,142+579.1% | $154,746+826.5% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 10.05% | 50.39%-40.3pp | 46.84%-36.8pp | 172.34%-162.3pp |
| Employer contribution / active EE | $2,932 | $6,787-56.8% | $6,442-54.5% | $4,379-33.0% |
| Participant deferral / active EE | $22,010 | $9,750+125.7% | $9,284+137.1% | $6,730+227.0% |
| Admin fee / account holder | $45,022 | $19,707+128.5% | $19,076+136.0% | $14,365+213.4% |