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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 | $618,427 | $117,846+424.8% | $102,434+503.7% | $145,884+323.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 3.81% | 31.90%-28.1pp | 29.46%-25.6pp | 551.85%-548.0pp |
| Employer contribution / active EE | $954 | $3,615-73.6% | $3,023-68.4% | $4,662-79.5% |
| Participant deferral / active EE | $0 | $5,733-100.0% | $5,055-100.0% | $6,690-100.0% |
| Admin fee / account holder | $23,809 | $13,356+78.3% | $9,462+151.6% | $13,392+77.8% |