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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 | $590,634 | $172,111+243.2% | $150,298+293.0% | $137,256+330.3% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 3.87% | 69.37%-65.5pp | 62.79%-58.9pp | 220.34%-216.5pp |
| Employer contribution / active EE | $3,217 | $4,636-30.6% | $4,154-22.6% | $4,156-22.6% |
| Participant deferral / active EE | $12,008 | $6,166+94.8% | $5,453+120.2% | $6,407+87.4% |
| Admin fee / account holder | $29,202 | $16,471+77.3% | $14,116+106.9% | $12,270+138.0% |