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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 | $432,829 | $149,040+190.4% | $120,225+260.0% | $137,256+215.3% |
| Participation rate | 100.0% | 75.4%+24.6pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 6.05% | 605.68%-599.6pp | 439.23%-433.2pp | 220.34%-214.3pp |
| Employer contribution / active EE | $23,000 | $4,350+428.7% | $3,475+561.8% | $4,156+453.4% |
| Participant deferral / active EE | $29,750 | $4,655+539.1% | $3,999+644.0% | $6,407+364.4% |
| Admin fee / account holder | $196,353 | $6,348+2993.3% | $5,696+3347.0% | $12,270+1500.3% |