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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 | $280,677 | $125,190+124.2% | $105,624+165.7% | $145,897+92.4% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 7.44% | 225.22%-217.8pp | 116.20%-108.8pp | 552.29%-544.8pp |
| Employer contribution / active EE | $21,920 | $3,720+489.2% | $3,168+592.0% | $4,663+370.1% |
| Participant deferral / active EE | $7,255 | $5,716+26.9% | $5,013+44.7% | $6,689+8.5% |
| Admin fee / account holder | $20,227 | $17,138+18.0% | $10,961+84.5% | $13,390+51.1% |