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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 | $423,167 | $97,125+335.7% | $86,233+390.7% | $137,256+208.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 10.82% | 74.19%-63.4pp | 61.39%-50.6pp | 220.34%-209.5pp |
| Employer contribution / active EE | $2,777 | $2,841-2.3% | $2,504+10.9% | $4,156-33.2% |
| Participant deferral / active EE | $18,651 | $5,180+260.1% | $4,559+309.1% | $6,407+191.1% |
| Admin fee / account holder | $4,544 | $9,725-53.3% | $8,342-45.5% | $12,270-63.0% |