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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 | $1,019,185 | $165,361+516.3% | $149,715+580.7% | $158,950+541.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 7.71% | 348.24%-340.5pp | 276.66%-269.0pp | 302.91%-295.2pp |
| Employer contribution / active EE | $16,394 | $5,103+221.2% | $4,645+253.0% | $4,762+244.3% |
| Participant deferral / active EE | $10,750 | $7,182+49.7% | $6,842+57.1% | $5,983+79.7% |
| Admin fee / account holder | $6,371 | $10,808-41.0% | $9,310-31.6% | $11,248-43.4% |