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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 | $174,379+238.7% | $152,093+288.3% | $138,895+325.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 3.87% | 74.86%-71.0pp | 66.36%-62.5pp | 145.39%-141.5pp |
| Employer contribution / active EE | $3,217 | $4,652-30.9% | $4,175-23.0% | $4,194-23.3% |
| Participant deferral / active EE | $12,008 | $6,159+95.0% | $5,451+120.3% | $6,396+87.7% |
| Admin fee / account holder | $29,202 | $16,880+73.0% | $14,497+101.4% | $12,562+132.5% |