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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 | $581,109 | $165,399+251.3% | $149,745+288.1% | $158,982+265.5% |
| Participation rate | 87.5% | 84.6%+2.9pp | 82.5%+5.0pp | 82.0%+5.5pp |
| Annual return | 5.13% | 348.34%-343.2pp | 276.72%-271.6pp | 302.99%-297.9pp |
| Employer contribution / active EE | $13,172 | $5,105+158.0% | $4,646+183.5% | $4,763+176.6% |
| Participant deferral / active EE | $11,837 | $7,183+64.8% | $6,843+73.0% | $5,983+97.8% |
| Admin fee / account holder | $22,574 | $10,811+108.8% | $9,312+142.4% | $11,252+100.6% |