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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 | $649,819 | $199,109+226.4% | $173,730+274.0% | $154,746+319.9% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 8.13% | 20.02%-11.9pp | 19.96%-11.8pp | 172.34%-164.2pp |
| Employer contribution / active EE | $2,055 | $5,311-61.3% | $4,577-55.1% | $4,379-53.1% |
| Participant deferral / active EE | $2,574 | $7,113-63.8% | $6,326-59.3% | $6,730-61.8% |
| Admin fee / account holder | $16,365 | $20,916-21.8% | $17,523-6.6% | $14,365+13.9% |