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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 | $594,026 | $154,193+285.2% | $130,045+356.8% | $139,466+325.9% |
| Participation rate | 71.4% | 82.0%-10.5pp | 78.5%-7.1pp | 80.3%-8.9pp |
| Annual return | 7.90% | 32.51%-24.6pp | -137.30%+145.2pp | 373.66%-365.8pp |
| Employer contribution / active EE | $13,587 | $5,292+156.8% | $4,321+214.4% | $4,754+185.8% |
| Participant deferral / active EE | $19,106 | $6,709+184.8% | $5,820+228.3% | $6,712+184.7% |
| Admin fee / account holder | $952 | $13,989-93.2% | $10,600-91.0% | $11,409-91.7% |