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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 | $813,894 | $227,597+257.6% | $189,575+329.3% | $167,536+385.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 5.48% | 78.44%-73.0pp | 64.19%-58.7pp | 478.82%-473.3pp |
| Employer contribution / active EE | $19,073 | $5,316+258.8% | $4,412+332.3% | $4,839+294.1% |
| Participant deferral / active EE | $15,717 | $7,002+124.5% | $6,174+154.6% | $6,342+147.8% |
| Admin fee / account holder | $7,903 | $11,877-33.5% | $9,806-19.4% | $12,315-35.8% |