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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 | $796,310 | $154,228+416.3% | $145,433+447.5% | $137,256+480.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 3.68% | 74.59%-70.9pp | 66.58%-62.9pp | 220.34%-216.7pp |
| Employer contribution / active EE | $1,572 | $4,804-67.3% | $4,554-65.5% | $4,156-62.2% |
| Participant deferral / active EE | $14,890 | $8,216+81.2% | $7,897+88.5% | $6,407+132.4% |
| Admin fee / account holder | $13,130 | $14,344-8.5% | $13,1290% | $12,270+7.0% |