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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 | $512,955 | $183,627+179.3% | $155,602+229.7% | $145,978+251.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 6.61% | 61.32%-54.7pp | 64.81%-58.2pp | 550.52%-543.9pp |
| Employer contribution / active EE | $37,834 | $5,316+611.7% | $4,675+709.2% | $4,662+711.6% |
| Participant deferral / active EE | $19,750 | $6,466+205.5% | $5,629+250.9% | $6,690+195.2% |
| Admin fee / account holder | $36,816 | $19,327+90.5% | $15,923+131.2% | $13,400+174.7% |