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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 | $638,134 | $117,895+441.3% | $102,460+522.8% | $145,897+337.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 5.26% | 31.92%-26.7pp | 29.47%-24.2pp | 552.29%-547.0pp |
| Employer contribution / active EE | $5,600 | $3,619+54.7% | $3,025+85.1% | $4,663+20.1% |
| Participant deferral / active EE | $25,308 | $5,736+341.2% | $5,056+400.5% | $6,689+278.3% |
| Admin fee / account holder | $30,591 | $13,353+129.1% | $9,460+223.4% | $13,390+128.5% |