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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 | $560,043 | $111,535+402.1% | $105,223+432.2% | $137,256+308.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 7.20% | 237.85%-230.7pp | 180.65%-173.4pp | 220.34%-213.1pp |
| Employer contribution / active EE | $6,049 | $3,939+53.6% | $3,689+64.0% | $4,156+45.5% |
| Participant deferral / active EE | $10,625 | $5,500+93.2% | $5,072+109.5% | $6,407+65.8% |
| Admin fee / account holder | $5,036 | $9,721-48.2% | $8,859-43.2% | $12,270-59.0% |