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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 | $419,877 | $110,410+280.3% | $102,437+309.9% | $145,897+187.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.88% | 24.85%-16.0pp | 24.95%-16.1pp | 552.29%-543.4pp |
| Employer contribution / active EE | $29,613 | $4,217+602.2% | $3,871+665.1% | $4,663+535.1% |
| Participant deferral / active EE | $2,684 | $5,622-52.3% | $5,060-47.0% | $6,689-59.9% |
| Admin fee / account holder | $62,299 | $9,745+539.3% | $8,388+642.7% | $13,390+365.2% |