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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 | $156,398+166.7% | $147,318+183.1% | $138,895+200.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 9.59% | 78.75%-69.2pp | 70.43%-60.8pp | 145.39%-135.8pp |
| Employer contribution / active EE | $22,058 | $4,853+354.5% | $4,593+380.3% | $4,194+425.9% |
| Participant deferral / active EE | $8,653 | $8,237+5.0% | $7,906+9.4% | $6,396+35.3% |
| Admin fee / account holder | $2,648 | $14,976-82.3% | $13,708-80.7% | $12,562-78.9% |