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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 | $148,629+487.2% | $135,982+541.8% | $139,487+525.7% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 8.90% | 79.33%-70.4pp | 68.32%-59.4pp | 373.84%-364.9pp |
| Employer contribution / active EE | $4,576 | $5,247-12.8% | $4,859-5.8% | $4,755-3.8% |
| Participant deferral / active EE | $26,033 | $8,102+221.3% | $7,760+235.5% | $6,713+287.8% |
| Admin fee / account holder | $42,384 | $12,406+241.6% | $10,767+293.6% | $11,407+271.6% |