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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 | $622,883 | $105,158+492.3% | $94,672+557.9% | $139,487+346.6% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 4.16% | 38.11%-34.0pp | 156.89%-152.7pp | 373.84%-369.7pp |
| Employer contribution / active EE | $17,044 | $4,107+315.0% | $3,673+364.0% | $4,755+258.5% |
| Participant deferral / active EE | $11,229 | $7,599+47.8% | $7,417+51.4% | $6,713+67.3% |
| Admin fee / account holder | $2,289,781 | $8,972+25422.4% | $7,222+31607.1% | $11,407+19972.9% |