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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 | $872,699 | $148,558+487.4% | $135,925+542.0% | $139,427+525.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 8.90% | 79.22%-70.3pp | 68.25%-59.4pp | 373.27%-364.4pp |
| Employer contribution / active EE | $4,576 | $5,244-12.7% | $4,857-5.8% | $4,752-3.7% |
| Participant deferral / active EE | $26,033 | $8,101+221.4% | $7,759+235.5% | $6,711+287.9% |
| Admin fee / account holder | $42,384 | $12,401+241.8% | $10,764+293.8% | $11,404+271.7% |