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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 | $589,937 | $201,344+193.0% | $184,243+220.2% | $145,877+304.4% |
| Participation rate | 88.9% | 87.5%+1.4pp | 86.8%+2.1pp | 80.3%+8.6pp |
| Annual return | 6.45% | 29.01%-22.6pp | 28.82%-22.4pp | 551.28%-544.8pp |
| Employer contribution / active EE | $15,587 | $7,022+122.0% | $6,427+142.5% | $4,663+234.3% |
| Participant deferral / active EE | $19,559 | $9,807+99.4% | $9,132+114.2% | $6,691+192.3% |
| Admin fee / account holder | $565 | $16,382-96.5% | $13,914-95.9% | $13,402-95.8% |