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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 | $558,841 | $106,008+427.2% | $92,240+505.9% | $147,586+278.7% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 9.14% | 50.05%-40.9pp | 176.29%-167.2pp | 578.59%-569.5pp |
| Employer contribution / active EE | $26,173 | $4,333+504.0% | $3,680+611.3% | $4,876+436.7% |
| Participant deferral / active EE | $8,450 | $4,478+88.7% | $3,897+116.8% | $5,439+55.4% |
| Admin fee / account holder | $23,095 | $6,333+264.7% | $5,194+344.6% | $10,886+112.2% |