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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 | $531,663 | $183,592+189.6% | $155,574+241.7% | $145,877+264.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 6.85% | 61.37%-54.5pp | 64.87%-58.0pp | 551.28%-544.4pp |
| Employer contribution / active EE | $0 | $5,317-100.0% | $4,676-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $27,765 | $6,466+329.4% | $5,629+393.2% | $6,691+315.0% |
| Admin fee / account holder | $19,133 | $19,316-0.9% | $15,914+20.2% | $13,402+42.8% |