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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 | $966,734 | $175,259+451.6% | $149,723+545.7% | $139,487+593.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 9.61% | 166.82%-157.2pp | 134.50%-124.9pp | 373.84%-364.2pp |
| Employer contribution / active EE | $17,376 | $5,478+217.2% | $4,821+260.4% | $4,755+265.4% |
| Participant deferral / active EE | $22,475 | $6,522+244.6% | $5,682+295.5% | $6,713+234.8% |
| Admin fee / account holder | $4,426 | $16,158-72.6% | $13,215-66.5% | $11,407-61.2% |