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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 | $1,512,611 | $183,516+724.2% | $155,534+872.5% | $145,884+936.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.74% | 61.43%-52.7pp | 64.92%-56.2pp | 551.85%-543.1pp |
| Employer contribution / active EE | $20,000 | $5,315+276.3% | $4,675+327.8% | $4,662+329.0% |
| Participant deferral / active EE | $18,250 | $6,467+182.2% | $5,630+224.1% | $6,690+172.8% |
| Admin fee / account holder | $377,648 | $19,293+1857.4% | $15,900+2275.2% | $13,392+2720.0% |