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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 | $951,947 | $199,109+378.1% | $173,730+447.9% | $154,746+515.2% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 6.88% | 20.02%-13.1pp | 19.96%-13.1pp | 172.34%-165.5pp |
| Employer contribution / active EE | $19,346 | $5,311+264.3% | $4,577+322.6% | $4,379+341.8% |
| Participant deferral / active EE | $11,583 | $7,113+62.9% | $6,326+83.1% | $6,730+72.1% |
| Admin fee / account holder | $6,074 | $20,916-71.0% | $17,523-65.3% | $14,365-57.7% |