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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 | $704,239 | $72,071+877.1% | $68,368+930.1% | $137,256+413.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 6.99% | 353.14%-346.2pp | 292.57%-285.6pp | 220.34%-213.3pp |
| Employer contribution / active EE | $35,133 | $2,788+1160.2% | $2,649+1226.3% | $4,156+745.3% |
| Participant deferral / active EE | $26,500 | $4,410+500.9% | $4,123+542.8% | $6,407+313.6% |
| Admin fee / account holder | $14,432 | $5,336+170.5% | $5,150+180.2% | $12,270+17.6% |