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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 | $420,829 | $217,432+93.5% | $185,849+126.4% | $167,536+151.2% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 8.59% | 148.42%-139.8pp | 122.10%-113.5pp | 478.82%-470.2pp |
| Employer contribution / active EE | $6,707 | $5,875+14.2% | $5,169+29.8% | $4,839+38.6% |
| Participant deferral / active EE | $6,552 | $6,357+3.1% | $5,569+17.7% | $6,342+3.3% |
| Admin fee / account holder | $2,008 | $19,818-89.9% | $16,244-87.6% | $12,315-83.7% |