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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 | $589,909 | $162,812+262.3% | $133,971+340.3% | $158,966+271.1% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 5.32% | 41.94%-36.6pp | 45.09%-39.8pp | 302.95%-297.6pp |
| Employer contribution / active EE | $2,550 | $4,976-48.8% | $3,919-34.9% | $4,762-46.5% |
| Participant deferral / active EE | $19,000 | $5,910+221.5% | $5,047+276.5% | $5,983+217.6% |
| Admin fee / account holder | $6,951 | $11,741-40.8% | $8,929-22.2% | $11,250-38.2% |