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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 | $1,059,572 | $198,457+433.9% | $170,435+521.7% | $147,586+617.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 8.63% | 257.30%-248.7pp | 205.94%-197.3pp | 578.59%-570.0pp |
| Employer contribution / active EE | $17,880 | $6,183+189.2% | $5,432+229.1% | $4,876+266.7% |
| Participant deferral / active EE | $16,400 | $5,629+191.3% | $4,939+232.0% | $5,439+201.5% |
| Admin fee / account holder | $4,953 | $16,852-70.6% | $13,881-64.3% | $10,886-54.5% |