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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 | $1,139,821 | $197,637+476.7% | $177,848+540.9% | $158,982+617.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 5.68% | 58.77%-53.1pp | 48.33%-42.6pp | 302.99%-297.3pp |
| Employer contribution / active EE | $3,338 | $6,698-50.2% | $5,919-43.6% | $4,763-29.9% |
| Participant deferral / active EE | $18,071 | $8,405+115.0% | $7,714+134.3% | $5,983+202.0% |
| Admin fee / account holder | $19,162 | $15,406+24.4% | $12,431+54.1% | $11,252+70.3% |