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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 | $551,780 | $96,691+470.7% | $86,656+536.8% | $139,487+295.6% |
| Participation rate | 72.7% | 74.4%-1.7pp | 71.7%+1.0pp | 80.3%-7.6pp |
| Annual return | 9.92% | 106.87%-96.9pp | 593.09%-583.2pp | 373.84%-363.9pp |
| Employer contribution / active EE | $3,735 | $3,267+14.3% | $3,025+23.5% | $4,755-21.4% |
| Participant deferral / active EE | $9,377 | $4,838+93.8% | $4,439+111.2% | $6,713+39.7% |
| Admin fee / account holder | $13,368 | $6,414+108.4% | $5,619+137.9% | $11,407+17.2% |