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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 | $551,392 | $100,970+446.1% | $96,576+470.9% | $137,256+301.7% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 12.11% | 38.16%-26.1pp | 38.47%-26.4pp | 220.34%-208.2pp |
| Employer contribution / active EE | $16,114 | $3,809+323.0% | $3,553+353.5% | $4,156+287.7% |
| Participant deferral / active EE | $11,505 | $8,286+38.8% | $7,956+44.6% | $6,407+79.6% |
| Admin fee / account holder | $49,719 | $11,312+339.5% | $11,381+336.9% | $12,270+305.2% |