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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 | $641,810 | $135,956+372.1% | $123,894+418.0% | $273,972+134.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 1.98% | 56.63%-54.6pp | 47.52%-45.5pp | 41.46%-39.5pp |
| Employer contribution / active EE | $18,519 | $5,170+258.2% | $4,617+301.1% | $4,869+280.4% |
| Participant deferral / active EE | $13,410 | $6,343+111.4% | $5,984+124.1% | $5,287+153.6% |
| Admin fee / account holder | $9,858 | $9,817+0.4% | $8,357+18.0% | $10,133-2.7% |