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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 | $125,237+124.1% | $105,608+165.8% | $145,877+92.4% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 7.44% | 225.76%-218.3pp | 116.50%-109.1pp | 551.28%-543.8pp |
| Employer contribution / active EE | $21,920 | $3,720+489.2% | $3,167+592.1% | $4,663+370.1% |
| Participant deferral / active EE | $7,255 | $5,711+27.0% | $5,010+44.8% | $6,691+8.4% |
| Admin fee / account holder | $20,227 | $17,287+17.0% | $11,028+83.4% | $13,402+50.9% |