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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 | $431,514 | $154,228+179.8% | $145,433+196.7% | $137,256+214.4% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 11.57% | 74.59%-63.0pp | 66.58%-55.0pp | 220.34%-208.8pp |
| Employer contribution / active EE | $1,641 | $4,804-65.8% | $4,554-64.0% | $4,156-60.5% |
| Participant deferral / active EE | $4,977 | $8,216-39.4% | $7,897-37.0% | $6,407-22.3% |
| Admin fee / account holder | $83,166 | $14,344+479.8% | $13,129+533.5% | $12,270+577.8% |