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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 | $1,232,430 | $209,888+487.2% | $189,545+550.2% | $167,553+635.5% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 9.09% | 748.66%-739.6pp | 555.36%-546.3pp | 478.89%-469.8pp |
| Employer contribution / active EE | $3,487 | $6,915-49.6% | $6,162-43.4% | $4,840-28.0% |
| Participant deferral / active EE | $18,125 | $8,934+102.9% | $8,220+120.5% | $6,343+185.8% |
| Admin fee / account holder | $39,011 | $14,300+172.8% | $12,049+223.8% | $12,316+216.7% |