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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 | $271,079 | $154,228+75.8% | $145,433+86.4% | $137,256+97.5% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 8.46% | 74.59%-66.1pp | 66.58%-58.1pp | 220.34%-211.9pp |
| Employer contribution / active EE | $25,446 | $4,804+429.7% | $4,554+458.7% | $4,156+512.3% |
| Participant deferral / active EE | $21,130 | $8,216+157.2% | $7,897+167.6% | $6,407+229.8% |
| Admin fee / account holder | $48,885 | $14,344+240.8% | $13,129+272.3% | $12,270+298.4% |