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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 | $466,832 | $106,280+339.2% | $96,538+383.6% | $139,487+234.7% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 8.54% | 38.48%-29.9pp | 35.74%-27.2pp | 373.84%-365.3pp |
| Employer contribution / active EE | $19,274 | $4,107+369.3% | $3,740+415.3% | $4,755+305.4% |
| Participant deferral / active EE | $10,484 | $5,457+92.1% | $4,880+114.8% | $6,713+56.2% |
| Admin fee / account holder | $413 | $7,888-94.8% | $6,737-93.9% | $11,407-96.4% |