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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 | $320,705 | $154,228+107.9% | $145,433+120.5% | $137,256+133.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 10.25% | 74.59%-64.3pp | 66.58%-56.3pp | 220.34%-210.1pp |
| Employer contribution / active EE | $17,299 | $4,804+260.1% | $4,554+279.8% | $4,156+316.2% |
| Participant deferral / active EE | $22,222 | $8,216+170.5% | $7,897+181.4% | $6,407+246.8% |
| Admin fee / account holder | $93,662 | $14,344+553.0% | $13,129+613.4% | $12,270+663.3% |