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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 | $417,083 | $154,228+170.4% | $145,433+186.8% | $137,256+203.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 9.59% | 74.59%-65.0pp | 66.58%-57.0pp | 220.34%-210.8pp |
| Employer contribution / active EE | $22,058 | $4,804+359.1% | $4,554+384.3% | $4,156+430.7% |
| Participant deferral / active EE | $8,653 | $8,216+5.3% | $7,897+9.6% | $6,407+35.1% |
| Admin fee / account holder | $2,648 | $14,344-81.5% | $13,129-79.8% | $12,270-78.4% |