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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 | $562,674 | $172,111+226.9% | $150,298+274.4% | $137,256+309.9% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 10.27% | 69.37%-59.1pp | 62.79%-52.5pp | 220.34%-210.1pp |
| Employer contribution / active EE | $7,099 | $4,636+53.1% | $4,154+70.9% | $4,156+70.8% |
| Participant deferral / active EE | $13,877 | $6,166+125.1% | $5,453+154.5% | $6,407+116.6% |
| Admin fee / account holder | $6,877 | $16,471-58.2% | $14,116-51.3% | $12,270-44.0% |