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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 | $102,609+437.4% | $98,090+462.1% | $138,895+297.0% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 12.11% | 36.44%-24.3pp | 37.05%-24.9pp | 145.39%-133.3pp |
| Employer contribution / active EE | $16,114 | $3,867+316.7% | $3,606+346.8% | $4,194+284.2% |
| Participant deferral / active EE | $11,505 | $8,167+40.9% | $7,845+46.7% | $6,396+79.9% |
| Admin fee / account holder | $49,719 | $11,434+334.8% | $11,815+320.8% | $12,562+295.8% |