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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 | $447,112 | $154,228+189.9% | $145,433+207.4% | $137,256+225.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 12.31% | 74.59%-62.3pp | 66.58%-54.3pp | 220.34%-208.0pp |
| Employer contribution / active EE | $31,572 | $4,804+557.2% | $4,554+593.2% | $4,156+659.7% |
| Participant deferral / active EE | $6,718 | $8,216-18.2% | $7,897-14.9% | $6,407+4.9% |
| Admin fee / account holder | $30,845 | $14,344+115.0% | $13,129+134.9% | $12,270+151.4% |